Most Indian banks have their own eligibility checks in place before granting any customer a credit card. Most common criterion applied by banks are:

- Applicant should be above 21 years of age

- Applicant should have a steady income either through salary or self-employment

- Applicant should have a good credit history

While the first two criterion are basic criterion, the last one of having a good credit history is by far the most important eligibility criteria for banks to give a user a credit card. This is because banks give short-term loans to individuals via credit cards and they want to ensure they get repaid the amount users owe them and don’t turn out to be bad loans.