India’s CRED, which rewards users for paying their credit-card bills on time, is broadening its offerings to help its 7.5 million members gain more from the service. The Bangalore-based startup said on Thursday that CRED users can now lend to one another at an interest rate of up to 9% annually. Kunal Shah, founder and chief executive of CRED, said the startup is rolling out this feature, dubbed CRED Mint, initially to some users after testing this internally for months. “We’re super excited about this because it’s the first time…