CRED, the Bengaluru-based fintech unicorn, is gearing up for a high-profile initial public offering (IPO) with a strategic emphasis on premium growth, according to founder Kunal Shah. The platform, which has carved a niche in credit card payments and financial management, aims to leverage its affluent user base to drive higher-value transactions and revenue streams. Shah underscored that the company’s growth trajectory hinges on deepening engagement among premium users rather than mass-market expansion.