Download free CRED placement papers 2025 PDF with previous year questions and solutions. Access exam pattern, eligibility criteria, salary, interview process, and complete preparation guide.
CRED is a fintech startup that rewards users for paying credit card bills on time. Founded in 2018, CRED has built a premium credit card management platform with millions of users. The company focuses on building trust through technology and has a strong engineering team working on payments, gamification, and user experience.
Headquarters: Bengaluru, India
Employees: 500+ globally
Industry: FinTech, Credit Management
Valuation: $6+ Billion USD
Academic Requirements
Marks: 70% or 7.0+ CGPA in 10th, 12th, and graduation
Degree: B.Tech/B.E./M.Tech in Computer Science, IT, or related fields
Year of Study: Final year students and recent graduates (within 2 years)
Backlogs: No active backlogs at the time of application
Branch Eligibility
Eligible Branches: Computer Science, Information Technology, Electronics & Communication, or related fields
Programming Focus: Python, Java, JavaScript (preferred languages)
Experience: Freshers and candidates with 0-2 years experience
Additional Criteria
Programming Skills: Strong fundamentals in data structures and algorithms
Gap Years: Allowed if justified with valid reasons
Course Type: Full-time degree programs only
Nationality: Indian citizens and eligible international candidates
Software Engineer Role
Primary Role: Software Engineer / Backend Engineer / Frontend Engineer
Salary Package: ₹18-25 LPA for freshers
Selection: Through CRED placement process (5 rounds)
Focus: DSA, system design, and technical problem-solving
CGPA Cutoff
Minimum CGPA: 7.0 (70%) across all academic levels. Candidates with 8.0+ CGPA and strong technical skills have better selection chances.
Access free CRED placement papers PDF and CRED previous year question paper with detailed solutions. Download CRED last year question paper and CRED question paper PDF from previous years with comprehensive question banks covering DSA problems, system design questions, and coding challenges.
2024 Placement Papers PDF
Download CRED placement papers 2024 PDF with previous year coding questions, DSA problems, solutions, and exam pattern analysis.
2025 Placement Papers PDF
Download latest CRED placement papers 2025 PDF with current year coding questions, DSA problems, solutions, and updated exam patterns.
2026 Preparation Guide
Prepare for CRED placement 2026 with expected exam pattern, coding questions, system design topics, and comprehensive preparation strategy.
What's Included
Complete CRED placement papers (2024-2026) with coding questions, DSA problems, system design questions, detailed solutions, answer keys, exam pattern analysis, and topic-wise organization.
Campus Placement
Primary Method: Through college placement cells during campus recruitment drives
Direct Application
Online Application: Submit through CRED careers page with resume and portfolio
Referrals
Employee Referrals: Internal referrals from current CRED employees
The CRED placement process focuses on technical excellence and system design capabilities. Understanding the detailed exam pattern is crucial for effective preparation.
Online Assessment (OA) - 90 minutes
Total Duration: 90 minutes Total Questions: 2-3 coding problems Format: Online coding platform (HackerRank/CodeSignal) Negative Marking: No Platform: HackerRank or similar
Section-wise Breakdown:
| Section | Questions | Time | Difficulty | Focus Areas |
|---|---|---|---|---|
| Coding Problems | 2-3 | 90 min | Medium to Hard | Arrays, Strings, DP, Graphs |
Section Details:
Important Notes:
Success Rate: ~15-20% of applicants clear this round
Technical Interview Round 1 - 45 minutes
Format: Virtual/Onsite Total Problems: 1-2 coding problems Language: Python, Java, JavaScript preferred Time: 45 minutes
Problem Types:
Passing Criteria: Optimal solution with clean code
Evaluation:
Success Rate: ~40-50% of OA candidates advance
Technical Interview Round 2 - 45 minutes
Format: Virtual/Onsite Focus Areas: System design, technical deep dive, project discussion Time: 45 minutes
Topics Covered:
Evaluation:
Success Rate: ~50-60% of Round 1 candidates advance
Managerial Round - 45 minutes
Format: Virtual/Onsite Focus Areas: Behavioral questions, technical discussion, cultural fit Time: 45 minutes
Topics Covered:
Evaluation Criteria:
Success Rate: ~60-70% of Round 2 candidates advance
Technical Interview (Optional - for senior roles)
Format: Virtual/Onsite
Success Rate: ~70% of managerial round candidates advance
HR Interview - 30 minutes
Format: Virtual/Onsite
Success Rate: ~80-90% of previous round candidates get offers
| Phase | Duration | Key Activities |
|---|---|---|
| Application & Screening | 3-5 days | Resume review, initial screening |
| Online Assessment | 1 day | Coding test, results evaluation |
| Technical Interviews | 5-7 days | Round 1, Round 2, scheduling |
| Managerial Round | 2-3 days | Behavioral and technical discussion |
| HR Interview | 1-2 days | Final discussion, offer negotiation |
| Result Declaration | 2-3 days | Offer letter, onboarding details |
Learn from real CRED placement interview experiences shared by candidates who successfully cleared the placement process. These authentic stories help you understand what to expect and how to prepare effectively.
Key Insights from Interview Experiences:
Complete Interview Experiences
Read detailed CRED placement interview experiences including:
Data Structures & Algorithms
Arrays & Strings: Manipulation, searching, sorting, two-pointer technique
HashMaps & HashSets: Frequency counting, lookups, optimization
Trees: Binary trees, BST, tree traversals, tree problems
Graphs: BFS, DFS, shortest path, graph algorithms
Dynamic Programming: Memoization, tabulation, optimization problems
System Design
FinTech Systems: Payment processing, transaction handling, wallet systems
Scalability: Load balancing, caching, database sharding
Architecture: Microservices, distributed systems, API design
Security: Authentication, encryption, secure transactions
Databases: SQL, NoSQL, transaction handling, consistency
Programming & Technologies
Languages: Python, Java, JavaScript (preferred)
Frameworks: Django, Spring Boot, Node.js
Databases: PostgreSQL, MongoDB, Redis
Tools: Git, Docker, AWS, CI/CD
Concepts: OOP, design patterns, REST APIs
Prepare for CRED placement HR interview with common questions and effective strategies. CRED HR interview is conversational and focuses on cultural fit, career goals, and understanding of the company.
Common HR Interview Topics:
Complete HR Interview Guide
Access complete guide to CRED HR interview questions including:
Key Preparation Principles:
Preparation Approaches:
Complete Preparation Guide
Access comprehensive CRED placement paper preparation guide including:
| Level | Experience | Base Salary | Total Package | Typical Background |
|---|---|---|---|---|
| Software Engineer | 0-1 years | ₹15-20 LPA | ₹18-25 LPA | Freshers, strong DSA |
| Backend Engineer | 0-2 years | ₹18-24 LPA | ₹20-28 LPA | System design focus |
| Frontend Engineer | 0-2 years | ₹15-20 LPA | ₹18-25 LPA | React, JavaScript |
| Senior Software Engineer | 2-3 years | ₹22-30 LPA | ₹25-35 LPA | Leadership experience |
| Role | Level | Total Package | Requirements |
|---|---|---|---|
| Product Engineer | Entry | ₹20-28 LPA | Product thinking, technical skills |
| Full Stack Engineer | Entry | ₹18-25 LPA | Frontend + Backend skills |
Hiring Trends 2025
Increased Hiring: CRED is expanding engineering teams across backend, frontend, and full-stack roles
Focus Areas: Payment systems, FinTech infrastructure, and user experience
Remote Opportunities: Hybrid work model with flexibility for remote work
Process Changes
Enhanced System Design: More emphasis on system design in technical interviews
Coding Standards: Increased focus on code quality and optimization
Cultural Fit: Stronger emphasis on alignment with CRED values and culture
New Initiatives
AI/ML Integration: Exploring AI/ML applications in FinTech and payments
Scale Expansion: Building infrastructure for scale and international expansion
Product Innovation: Focus on new product features and user experience
Company Growth
Valuation Growth: $6+ Billion USD valuation
User Base: Millions of users on the platform
Team Expansion: Growing engineering teams across multiple locations
CRED placement papers are previous year question papers from CRED recruitment tests and interview rounds. These papers contain coding questions, DSA problems, system design questions, and interview questions that help students understand the exam pattern and prepare effectively for CRED placement process.
Yes, all CRED placement papers on our website are completely free to access and download. You can practice unlimited CRED placement questions and previous year papers without any registration or payment.
Yes, you can access CRED placement papers online with previous year coding questions, DSA problems, system design questions, and interview questions. Our website provides CRED placement papers PDF download, CRED previous year questions with solutions, CRED coding questions, and CRED interview questions. All papers are completely free and require no registration.
We provide CRED placement papers from recent years including 2024 and 2025. Our collection is regularly updated with the latest questions, exam patterns, and interview experiences.
CRED placement papers cover coding questions (arrays, strings, dynamic programming, graphs), system design questions (FinTech systems, payment processing), data structures and algorithms, and technical interview questions. All questions focus on strong technical fundamentals and problem-solving capabilities.
CRED placement process includes: 1. Online Assessment (OA) - 90 minutes with 2-3 medium to hard coding problems, 2. Technical Interview Round 1 - 45 minutes focusing on data structures and algorithms, 3. Technical Interview Round 2 - 45 minutes covering system design for FinTech systems, 4. Managerial Round - 45 minutes with behavioral questions and technical discussions, 5. HR Round - 30 minutes for general discussion. Total duration: 2-3 weeks from application to offer.
CRED online assessment exam pattern: 90 minutes duration, 2-3 coding problems of medium to hard difficulty, covering arrays, strings, dynamic programming, and graphs. Format is online coding platform (HackerRank/CodeSignal), no negative marking, and focus on optimal solutions with time and space complexity.
CRED interview process consists of 5 rounds: 1. Online Assessment (90 minutes), 2. Technical Interview Round 1 (45 minutes), 3. Technical Interview Round 2 (45 minutes), 4. Managerial Round (45 minutes), 5. HR Round (30 minutes). Total duration: 2-3 weeks from application to offer. Some senior roles may have additional system design rounds.
CRED placement process success rates: Online Assessment (~15-20% pass rate), Technical Interview Round 1 (~40-50% advance), Technical Interview Round 2 (~50-60% advance), Managerial Round (~60-70% advance), HR Round (~80-90% get offers). Overall selection rate is competitive due to high technical standards.
CRED technical interview questions include: Coding problems (arrays, strings, dynamic programming, graphs), System design questions (FinTech systems, payment processing, scalability), Data structures and algorithms (optimization, time complexity), Technical deep dive (previous projects, technologies used), Problem-solving approach (explaining solutions, edge cases). All questions focus on strong technical fundamentals and system design capabilities.
CRED system design interview focuses on FinTech systems, payment processing architecture, scalability, distributed systems, database design, and security. Interviewers evaluate system design thinking, technical depth, scalability considerations, and ability to design real-world payment systems. Duration is 45 minutes with emphasis on architecture and optimization.
To prepare for CRED system design interview: Study FinTech system architectures, payment processing systems, transaction handling, scalability patterns (load balancing, caching, sharding), database design (SQL, NoSQL), security (authentication, encryption), and distributed systems. Practice designing payment gateways, wallet systems, and credit card management platforms.
CRED eligibility criteria for freshers 2025: Minimum 70% or 7.0+ CGPA in 10th, 12th, and graduation. Degree required: B.Tech/B.E./M.Tech in Computer Science, IT, or related fields. Final year students and recent graduates (within 2 years) are eligible. No active backlogs at the time of application. Strong programming skills in Python, Java, or JavaScript are preferred.
CRED eligibility criteria for freshers 2026 are the same as 2025: Minimum 70% or 7.0+ CGPA across all academic levels, B.Tech/B.E./M.Tech in CS/IT or related fields, final year students or recent graduates, no active backlogs, and strong programming fundamentals in Python, Java, or JavaScript.
The minimum CGPA required for CRED is 7.0 (70%) across 10th, 12th, and graduation. However, candidates with higher CGPA (8.0+ or 80%+) and strong technical skills have better chances of selection. The company values technical excellence alongside academic performance.
Eligible branches for CRED placement: Computer Science, Information Technology, Electronics & Communication, or related fields. The company primarily hires from CS/IT backgrounds with strong programming fundamentals and system design capabilities.
No, CRED does not allow active backlogs at the time of application. All backlogs must be cleared before applying. The company requires a clean academic record with no pending backlogs.
CRED salary for freshers (2025): Software Engineer: ₹18-25 LPA for new graduates, Backend Engineer: ₹20-28 LPA, Frontend Engineer: ₹18-25 LPA, Senior Software Engineer: ₹25-35 LPA (2-3 years experience). All figures are total annual compensation including base salary, bonuses, and benefits. Salaries may vary based on location and candidate experience.
Popular roles at CRED include: Software Engineer (₹18-25 LPA), Backend Engineer (₹20-28 LPA), Frontend Engineer (₹18-25 LPA), Senior Software Engineer (₹25-35 LPA), Product Engineer (₹20-28 LPA), and Full Stack Engineer (₹18-25 LPA). All roles focus on building scalable FinTech systems and payment solutions.
CRED offers comprehensive benefits including: Health insurance for employee and family, stock options and equity participation, learning & development budget, flexible work (hybrid model), free meals and snacks, wellness programs (gym memberships, mental health support), and competitive compensation packages.
To prepare for CRED placement: 1. Data Structures & Algorithms (40% time) - Master arrays, hash maps, trees, graphs, and dynamic programming, practice 200+ medium to hard problems, 2. System Design (25% time) - Focus on FinTech systems, payment processing, scalability, and distributed systems, 3. Coding Practice (20% time) - Solve problems in Python, Java, or JavaScript with optimization focus, 4. Technical Interview Prep (15% time) - Review projects, prepare for deep dives, practice explaining solutions. Focus on strong fundamentals in DSA and system design.
Focus on: Data structures (arrays, hash maps, trees, graphs), Algorithms (dynamic programming, greedy algorithms, graph algorithms), System design (FinTech systems, payment processing, scalability), Programming (Python, Java, JavaScript), and Databases (SQL, NoSQL, transaction handling). Allocate 40% time to DSA, 25% to system design, 20% to coding practice, and 15% to interview prep.
Preparation time for CRED placement: Intensive 2-month plan for candidates with strong DSA background, Extended 3-month plan for comprehensive preparation covering all topics. Daily practice of 4-6 hours recommended, focusing on DSA problems, system design concepts, and coding practice in Python, Java, or JavaScript.
For CRED placement, learn Python, Java, or JavaScript (company’s preferred languages). Focus on one language deeply - master data structures, algorithms, and object-oriented programming. CRED primarily uses Python and JavaScript in their tech stack, so familiarity with these languages is highly preferred.
CRED offers: Opportunity to work on cutting-edge FinTech products, competitive compensation (₹18-35 LPA), strong engineering culture with focus on technical excellence, learning and growth opportunities, equity participation in company growth, flexible work environment, comprehensive benefits, and chance to build scalable payment systems used by millions of users.
CRED’s work culture emphasizes: Technical excellence and innovation, collaborative problem-solving, ownership and impact, continuous learning, work-life balance with flexible hours, and strong engineering practices. The company values clean code, system design thinking, and building products that users love.
CRED: ₹18-25 LPA for freshers, focuses on credit card rewards and management, strong engineering culture, FinTech domain expertise, premium user base.
Razorpay: ₹20-28 LPA for freshers, payment gateway and financial services, B2B focus, strong technical infrastructure.
PhonePe: ₹18-25 LPA for freshers, digital payments and UPI, large user base, B2C focus, competitive environment.
Choose CRED if you want to work on credit card management and rewards platform. Choose Razorpay if you prefer payment gateway and B2B focus. Choose PhonePe if you want to work on digital payments and UPI at scale.
Explore related CRED placement paper topics and preparation guides:
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CRED Preparation Guide
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Razorpay Placement Papers
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PhonePe Placement Papers
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Paytm Placement Papers
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Ready to start your CRED preparation? Practice with our placement papers and focus on strong fundamentals in data structures, algorithms, and system design. Master FinTech system design concepts and coding problems to excel in CRED placement process.
Pro Tip: CRED values system design capabilities and clean code. Focus 25% of your preparation time on FinTech system design, especially payment processing and scalable architecture. Practice explaining your solutions clearly and demonstrate problem-solving approach.
Last updated: November 2025
