slice UPI Credit Card benefits
- Rewards1%
back on most card and UPI spends, paid as cash to your slice account
- BenefitUp to 3%
for customers with very large monies and savings balances
- Fees
No joining fee and no annual fee
- Benefit
Pay in 3 on spends of ₹2,000 or more
- UPI
RuPay card that links to UPI apps
Good to know
- No forex markup from slice
slice UPI Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Everything else | 1% back | None |
No rewards on: Fuel, wallet loads, rent, insurance, education, taxes and government services, online gaming, international spends, cash withdrawals and transactions split into EMIs (slicing).
All reward rules
- You earn 1 monies per ₹1 spent, by card or UPI. monies are redeemed as cash into your slice savings account at a rate that depends on your monies balance: 1% up to ₹3 lakh, 1.5% from ₹3 lakh to ₹5 lakh, and 2% above ₹5 lakh. We use 1%, the rate for most cardholders.
- The 3% rate in slice's ads applies only if you hold more than ₹5 lakh of monies and keep an average balance of ₹5 lakh in your slice savings account.
- Pay in 3: spends of ₹2,000 or more can be split into 2 or 3 monthly payments with a ₹0 processing fee, if your last bill was paid in full. Split spends earn no monies.
- Extra cashback deals at selected brands through slice spark, which you activate in the app before paying.
- Surcharges: 1% on rent above ₹10,000, 1% on utility bills above ₹25,000 and 2% on fuel above ₹25,000 in a statement cycle, plus fees on wallet loads.
- Unredeemed monies lapse if you close the card or it is closed after a year of no use.
What the slice UPI Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 1% | ₹360 |
| Dining and food delivery | ₹2,000 | 1% | ₹240 |
| Online shopping | ₹18,000 | 1% | ₹2,160 |
| Travel | ₹1,000 | 1% | ₹120 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 1% | ₹240 |
| Everything else | ₹3,000 | 1% | ₹360 |
| Total | ₹30,000 | ₹3,480 | |
| Renewal fee with GST | None | ||
| You keep | ₹3,480* |
slice UPI Credit Card annual fee and charges
- Joining fee
- Free
- Annual fee
- Free
- Fee waiver
- Not needed
- Foreign currency markup
- 0%
slice charges no joining fee and no annual fee, and adds no forex or currency conversion markup of its own. slice says it may charge a renewal fee if you renew the card when it expires after 7 years.
slice UPI Credit Card eligibility
You need a slice savings account with completed KYC, and you share your employment and income details in the slice app. slice does not publish a minimum age or income.
The bank alone decides approval and your credit limit.
slice UPI Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Is the slice UPI Credit Card right for you?
A lifetime free card, paying an above-average 1% on most spends.
Good for you if
- You want one flat rate: 1% back on most spends, with no categories to track.
- You want a card to keep for years without paying a yearly fee, which also builds a long credit history.
- You pay in foreign currency, abroad or on foreign websites: the markup is 0%, against a typical 3.5% on the cards we list.
- It is your first credit card: the terms are simple and the fee is low or nil.
Not for you if
- You want free airport lounge visits: none are included.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to slice UPI Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| slice UPI Credit Card | Free | 1% | ₹3,240* |
| IDFC FIRST Hello Cashback Credit Card | ₹1,000 | 3% | ₹5,160* |
| Kiwi RuPay Credit Card on UPI | Free | 1.5% | ₹3,360* |
If most of your spending looks like the example above, the IDFC FIRST Hello Cashback Credit Card may suit you better: it would leave you ₹7,800 a year, against ₹3,480 with the slice UPI Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
Is the slice credit card lifetime free?
Yes. slice charges no joining fee and no annual fee. Its terms say it may charge a fee if you renew the card when it expires after 7 years.
How much cashback does the slice credit card give?
You earn 1 monies per ₹1 spent. For most people, monies redeem at 1%, so ₹1 back per ₹100. The rate rises to 1.5% above ₹3 lakh of monies and 2% above ₹5 lakh, and 3% needs ₹5 lakh of monies plus a ₹5 lakh average savings balance.
Which spends earn no rewards on the slice credit card?
Fuel, wallet loads, rent, insurance, education, taxes and government services, online gaming, international spends, cash withdrawals and spends split into EMIs.
Can I use the slice credit card on UPI?
Yes. It is a RuPay credit card, so you can link it to UPI and pay by scanning QR codes. UPI payments earn monies like card payments.
Who can get the slice credit card?
You need a slice savings account with completed KYC. slice asks for your employment and income details in the app and decides eligibility itself. It does not publish a minimum income.