As long as you don't have bad credit records such as overdue loan repayment in rural credit cooperatives, your income is ok, and there are small loans to help you apply for a card smoothly.

There is no necessary connection between the two. As long as there is no problem with personal credit information, the general bank will approve it. The conditions to apply for a credit card are: full capacity for civil conduct, age 18, but preferably under 65 years old, having a regular job and a stable income source, no overdue loans, and good personal credit record. If you can provide proof of payment of housing provident fund and personal income tax, it will be easier to pass the bank audit.