Credit limit on any credit cards varies from person to person mainly based on the applicant’s income. Firstly, you must become eligible to get a credit card. Factors like repaying ability, credit score, location, employer etc., play an important role in getting you a credit card.
The credit card issuers allocate credit limit to each applicant purely based on the above-mentioned factors. Most credit card issuers provide a certain percentage of your income as credit limit. In some cases, it could be up to 3 times of your monthly gross salary or a certain percentage of your salary. For self-employed, the criterion is much like the same, however, the applicant, should show proof of consistent income for the past 2 or 3 years.
If the allocated credit limit is not enough for your spending needs, you can ask for an increase. However, this is decided at the sole discretion of the bank. The credit card issuer may look at your credit history and past repayment records to provide an increase in credit limit.