SBI Cards & Payment Services Interview Questions, Process, and Tips

A debit card is a plastic card that allows you to access funds in your bank account to make purchases or withdraw cash.

• Debit cards are linked to a checking or savings account

• They can be used at ATMs, online, and in-person at merchants

• Debit cards do not allow you to spend more than the available balance in your account

• They may come with rewards programs or cashback offers

• Examples of debit card issuers include Visa, Mast

Credit card is a plastic card that allows the holder to borrow money from the bank to make purchases.

• Credit cards allow users to make purchases on credit and pay back the borrowed amount later with interest.

• Debit cards, on the other hand, allow users to make purchases using their own money from their bank account.

• Credit cards offer rewards and cashback benefits, while debit cards do not.

• I have experience in handling cr...read more

Yes, credit cards often come with launch access benefits.

• Many credit cards offer access to airport lounges for cardholders.

• Some credit cards provide exclusive access to events or experiences.

• Certain credit cards offer priority booking for concerts or shows.

There are various types of credit cards available to consumers, each with different features and benefits.

• Types include rewards cards, cash back cards, travel cards, secured cards, and business cards.

• Rewards cards offer points or cash back for purchases.

• Cash back cards provide a percentage of the purchase amount back to the cardholder.

• Travel cards offer travel rewards such as airline miles or hotel points.

• Secured cards...read more

Common eligibility criteria for issuing credit cards include credit score, income, employment status, and credit history.

• Credit score must meet a minimum threshold set by the card issuer

• Applicant's income should be sufficient to cover credit card payments

• Employment status may be required for verification of income

• A good credit history with no defaults or bankruptcies is preferred

• Some credit cards may have specific elig

Yes, I have good communication skills.

• I have excellent verbal and written communication skills.

• I am able to effectively convey information and ideas to clients and colleagues.

• I am a good listener and can understand the needs and concerns of customers.

• I am able to build rapport and establish strong relationships with clients.

• I have experience in delivering presentations and conducting meetings.

• I am proficient in using v...read more

My best month in sales development was in October 2020.

• In October 2020, I achieved the highest sales numbers in my team.

• I successfully closed several major deals during that month.

• I exceeded my sales targets by 20% in October 2020.

• I received recognition and a bonus for my outstanding performance in sales during that month.