Many times I got a call from sbi customer care for making credit card, but the condition is very difficult, if you have salaried employee than for credit card purpose your salary must be morethan 25000/- and also salary received in bank if salary received in cash than you are not eligible for credit card. In case of business income than you must have cibil score. I think the requirements regarding the credit card is very complex.i suggest try to another option.