Earning subsistence allowances has nothing to do with applying for a credit card. The bank only evaluates the credit card limit based on your personal credit report and financial ability.

Credit card assets are liabilities and generally do not affect the application for minimum living allowance and the use of credit cards.

If you need to apply for a credit card for the subsistence allowance, you can apply for it directly, because there is no direct relationship between the subsistence allowance and the credit card. When applying for a credit card, the main consideration is the proportion of personal consumption expenditure.