SBI Cards & Payment Services Interview Questions and Answers

Q1. How do you handal stress and pressure
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Q2. Tell us about yourself. What are your strengths and weaknesses? Why do you want to work in credit card sales? How do you handle stress and pressure? Can you describe a time when you had to work with a chal...read more
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Q3. Ability to collaborate and add value to my team
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Q1. About your study family or needs requirement
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Q2. About debit and credit card difference
Ans. 
Debit cards draw directly from your bank account, while credit cards allow borrowing up to a limit for purchases.
• Debit cards are linked to your checking account; spending is limited to your available balance.

• Credit cards allow you to borrow money up to a certain limit, which you must pay back later.

• Example: Using a debit card for groceries deducts money immediately from your account.

• Example: Using a credit card for a v...read more
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Q3. More question related your job
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Q4. About your personal need from job
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Q1. All about credit card sale
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Q2. Benifit of credit card
Ans. 
Credit cards offer convenience, rewards, and financial flexibility, making them a popular choice for consumers.
• Convenience: Easily make purchases without carrying cash.

• Rewards: Earn points or cashback on purchases, e.g., 1.5% cashback on all spending.

• Building Credit: Responsible use helps improve credit scores, essential for loans.

• Emergency Funds: Provides a safety net for unexpected expenses, like car repairs.

• Travel B...read more
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Q3. Use of credit card
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Credit cards offer convenience, rewards, and financial flexibility but require responsible usage to avoid debt.
• Convenience: Credit cards allow for easy purchases without carrying cash.

• Rewards: Many cards offer cashback or points for every dollar spent, e.g., 1.5% cashback on all purchases.

• Building Credit: Responsible use helps build a positive credit history, essential for loans.

• Emergency Fund: They can serve as a fina...read more
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It was a well organised gd

Q1. What are my strengths
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Q2. What did learn from my internship
Ans. 
I learned valuable skills in project management, communication, and problem-solving during my internship.
• Developed strong project management skills by leading a team to successfully complete a marketing campaign

• Improved communication skills through regular interactions with clients and colleagues

• Enhanced problem-solving abilities by resolving issues that arose during the internship
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Q1. Screening and sampling
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Q2. Fraud analysis, fraud investigation
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Q1. What is credit
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Credit is the ability to borrow money or access goods and services with the promise to pay later, often involving interest.
• Definition: Credit refers to the trust that allows one party to provide resources to another party, expecting future payment.

• Types of Credit: There are various types of credit, including revolving credit (like credit cards) and installment loans (like mortgages).

• Credit Score: A numerical representa...read more
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Q2. What is CIBIL score
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CIBIL score is a three-digit number representing an individual's creditworthiness based on their credit history.
• Creditworthiness Indicator: A CIBIL score ranges from 300 to 900, with higher scores indicating better creditworthiness. For example, a score above 750 is considered excellent.

• Credit History: The score is calculated based on credit history, including repayment behavior, credit utilization, and the types of cr...read more
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