Q I am a 20-year-old student. I earn money by doing part-time jobs. Am I eligible to get a credit card? Hyder Ali, Hyderabad It will be difficult for you to get a credit card as minimum annual income that you need to earn for getting a credit card is Rs 3 lakh. Even though most banks display a lower income criteria, in actual practice it is difficult to get a credit card without proven » read more.