Age and Citizenship Requirements

• Applicants must typically be between 21 and 65 years of age

• Some issuers allow add-on cards for users above 18 years

• Indian citizenship or valid Indian residency is usually required

• NRIs may be eligible for select cards with additional documentation

• Age criteria may vary slightly depending on the issuing bank

Income-Based Eligibility

• A minimum monthly or annual income is required to apply

• Salaried applicants need to submit recent salary slips or bank statements

• Self-employed individuals must show ITR or audited financials

• Premium fuel cards often have higher income thresholds

• Pre-approved customers may receive instant card offers based on income

Credit Score and History

• A good credit score (typically 700 and above) improves approval chances

• Clean repayment history across loans and cards is preferred

• Low credit utilization and no recent defaults are considered positively

• Some banks allow secured fuel cards for users with low scores

• Existing cardholders may be eligible for upgrade based on credit behavior

Employment and Occupation Type

• Salaried professionals, self-employed, and business owners are all eligible

• Stable employment or income consistency is often a key factor

• Select cards may be exclusive to professionals in specific sectors

• Proof of occupation and address is required at the time of application

• Students and first-time earners may not qualify for fuel cards directly

Document Requirements

• PAN card and Aadhaar or address proof are mandatory for verification

• Income proof includes salary slip, ITR, or bank statement as applicable

• A passport-size photo and signed application form may be needed

• Digital applications may require e-KYC and OTP-based verification

• Documents must be valid, clear, and in line with bank policy for processing