A credit card is basically a financial tool that allows you to borrow money from your bank, in order to meet your necessary expenses, whilst giving you the luxury of repaying the amount later. A credit card offers you a line of credit that can be used to make necessary payments. However, this amount must be paid back to the bank on the due date as mutually agreed upon by the bank and the card holder. Credit Cards: .Eligibility....................Conditions You are eligible to apply for a credit card only if you meet the following credit card eligibility conditions- You are an Indian citizen, at an age equal to or more than 18 years You are either a salaried professional or self-employed You have a fixed mode of income (specific conditions vary from bank to bank) You have a good credit score (700 or more) Various banks or financial institutions go through your financial backgrounds and review your credit history, considering which they offer you to buy a credit card following a simple process. These cards are termed pre-approved credit cards. Additionally, there are also various tools like credit card eligibility checkers that help you check credit card eligibility online in a few minutes!