> For the complete documentation index, see [llms.txt](https://docs.nifty.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.nifty.ai/crosslisting/smart-credits.md).

# Smart Credits

**Smart Credits** are Nifty's currency for AI-powered features. Your plan includes a monthly allocation, and certain actions consume credits.

### Where to find it

Go to Settings → [**Subscription**](https://app.nifty.ai/settings/subscription) and scroll to the **Smart Credits** section.

Each batch of credits you hold appears on its own line, showing how many remain out of the original amount (for example, `900 remaining of 1000`):

* **Monthly credits** come with your subscription. The **Renews** date next to them is your billing date, when the balance resets to your plan's full allocation.
* **Purchased credits** are packs you've bought. The **Expires** date shows when any unused credits in that pack expire.

<figure><img src="https://2533981788-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FEm5xU5ktwTTfKBpX6qpY%2Fuploads%2F0wymmot7ATEKovfF2hpY%2FCleanShot%202026-09-06%20at%2012.38.35%20PM%402x.png?alt=media&amp;token=b37ce20d-7d50-4c06-bec1-215fbbb87abb" alt=""><figcaption></figcaption></figure>

### Credit history

Below your balance, the **Usage** section breaks down your credit activity one calendar month at a time. For the selected month you'll see:

* **A summary** of how many credits were added and used, with a bar showing which features used them (for example, AI listing generation vs. Advanced image edits).
* **A transaction list** of every credit movement, newest first. Monthly credits, purchases, and bonuses appear as positive amounts, and each AI action as a negative amount. If an action fails, its credits are refunded automatically and the entry shows **Refunded**.

### What uses Smart Credits

| Action                                                                                      | Credit cost                                 |
| ------------------------------------------------------------------------------------------- | ------------------------------------------- |
| [AI Listing Generator](/crosslisting/ai-listing-generator.md)                               | 1 credit per generation                     |
| [Bulk Crosslisting](/crosslisting/bulk-crosslisting.md)                                     | 1 credit per item                           |
| [Background removal](/crosslisting/photo-editing-and-management.md#basic-remove-background) | 1 credit per photo                          |
| [Advanced image edits](/crosslisting/photo-editing-and-management.md#advanced-ai-edits)     | 5 credits per photo (edits can be combined) |
| [Ask Otto](/otto/ask-otto.md)                                                               | Based on usage (after free tier)            |

{% hint style="info" %}
**Note:** No **Smart Credits** are used when syncing your inventory or performing basic listing management tasks.
{% endhint %}

### Monthly allocations by plan

| Plan                                      | Credits per month                               |
| ----------------------------------------- | ----------------------------------------------- |
| **Crosslisting Plus** and **Bundle Plus** | 500                                             |
| **Crosslisting Pro** and **Bundle Pro**   | 1,000                                           |
| **Automation** plans                      | No **Smart Credits** (AI features not included) |
| Free trial                                | 50 credits for the trial period                 |

Monthly credits reset on your billing date each month. Unused monthly credits do not roll over.

### Getting more credits

If you use all your **Smart Credits**, AI features become unavailable until you have credits again. You can either:

* **Wait for your subscription to renew:** Your monthly credits automatically replenish on each renewal. The renewal date is shown next to your Monthly credits.
* **Buy more immediately:** Click **Buy more** in the **Smart Credits** section. Packs are 200 credits for $5. Purchased credits are separate from your subscription and expire after 90 days.

You can still create listings manually and use all non-AI features.


---

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