slice UPI credit card
A lifetime-free RuPay credit card from slice small finance bank for card and UPI spends: 1 monies per ₹1 spent, redeemed as cash at 1% while the monies balance is up to ₹3 lakh, with no forex mark-up. Every figure below is copied from slice’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Applied for in the slice app; slice offers the card to customers who have opened its digital savings account.
Fees and charges
| Joining fee | Nil MITC |
|---|---|
| Annual fee | Nil MITC |
| Annual fee waiver | Not needed |
| GST on fees | 18% |
| Foreign-currency markup | None (0%) MITC |
| slice may levy a renewal fee when the card expires (amount not stated). Surcharges apply: 1% on education and wallet loads, 2% on fuel and 1% on utilities above ₹25,000 a statement cycle, and 1% on rent above ₹10,000 a cycle (plus GST). | |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| All eligible card and UPI spends: 1 monies per ₹1, redeemed at 1% (monies balance up to ₹3 lakh) | 1% cashback MITC | no cap on record |
Paid as monies (1 per ₹1 spent), redeemed as cash into the slice savings account at the reward rate for the monies balance: 1% up to ₹3 lakh, 1.5% to ₹5 lakh, 2% above, 3% with ₹5 lakh also kept in slice savings.
Spends converted to EMIs (slicing) earn no monies. Unredeemed monies lapse if the card is closed or is inactive for a year.
No rewards on
Benefits
- Lounges: none on record
Also on this card
Quoted from slice; not counted in the net value.
- Reward rate rises to 1.5% with a monies balance of ₹3–5 lakh, 2% above ₹5 lakh, and 3% if ₹5 lakh is also kept in slice savings MITC
- No forex or DCC mark-up from the bank on foreign-currency spends (they earn no monies) MITC
- slice in 3: pay a spend over 3 months at no extra cost (no processing fee) Product page
- spark offers: weekly merchant deals with instant cashback, activated in the app Product page
Eligibility
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by slice in the documents read
- a monthly cap on monies
- income criteria
- the renewal fee, if any, on expiry
Where slice’s documents differ, and what is used
- The product and pricing pages say rewards of up to 3%; the MITC gives 1% while the monies balance is up to ₹3 lakh, and 3% only with a monies balance and a slice savings average quarterly balance of ₹5 lakh each. CardWise uses 1%.
The quotes behind the figures
31 figures, each copied from an official slice document.
Show every quote and source
“Joining fee ₹0; No upfront costs for card issuance”
“Annual membership fee ₹0; No recurring maintenance charges”
“An 18% GST applies to fees charged on your credit card, including late payment fee, surcharge, bank transfer fee, and interest.”
“Forex / Foreign Currency Markup Fee charged by the bank ₹0”
“monies balance Reward rate Up to ₹3,00,000 1% ₹3,00,001 to ₹5,00,000 1.5% Above ₹5,00,000 2% Above ₹5,00,000* 3%”
“Eligibility: monies shall be credited at the rate of 1 monies per ₹1 spent on eligible transactions using the slice credit card, either directly or via UPI.”
“Redemption of monies monies may be redeemed for cash, credited to the cardholder’s slice savings account.”
“The redemption rate varies depending on the monies balance as per the following slabs.”
“Yes, certain transaction categories, including wallet loads, rent, fuel, insurance, EMIs, education, gaming, or tax related spends, are not eligible to earn monies.”
“Fuel, insurance, rental payments, educational fees, taxes, government services, and online gaming/gambling-related spends;”
“Transactions classified under excluded Merchant Category Codes (MCCs). International transactions”
“A fully digital application process ensuring convenience, security, and efficiency.”
“Only customers who have successfully on-boarded on to the digital savings account of the Bank, upon completion of proper KYC and due diligence processes shall be eligible to opt for the slice Credit Card.”
“However, slice reserves the right to levy renewal fees if the cardholder opts to renew the slice credit card upon its expiration.”
“No joining fee or annual fee – you can use the slice UPI credit card without any upfront or recurring charges.”
“Credit Card ₹ 0 Zero joining & annual fee”
“For payments related to education, and wallet loading, a charge of 1% of the transaction amount (minimum charge ₹10) plus GST applies.”
“Fuel payments attract a fee at 2% of the transaction amount (minimum charge ₹10) plus GST, when cumulative spends in a statement cycle exceed ₹25,000.”
“Rent payments are subject to a fee of 1% of the transaction amount (minimum charge ₹10) plus GST, on cumulative spends above ₹10,000 in a billing cycle.”
“sliced transactions are not eligible to earn rewards i.e, monies, even if they would have qualified otherwise.”
“The scan and pay feature is exclusively available on RuPay credit cards.”
“slicing fee (excl. GST) Processing fee ₹0”
“Expiry of monies: In the event the cardholder voluntarily closes their slice credit card, or if the account is closed due to inactivity for a continuous period of one year, or any other circumstance as the Bank may determine, any unredeemed monies shall lapse and stand forfeited.”
“* Note: The 3% reward rate shall apply only to Cardholders who (a.) Maintain an average quarterly balance of at least ₹5,00,000 in their slice savings account; and (b.) Hold a minimum monies balance of ₹5,00,000, both.”
“Note: While the Bank does not levy any forex or DCC markup charges, currency conversion rates applied by the card network or the merchant/DCC service provider, as applicable, will be reflected in the billed transaction amount.”
“Pay over 3 months without any extra charges.”
“Get new deals every week on your favourite brands, no codes, no waiting, just instant cashback.”
“Applicant should be 18 years and above.”
“Applicant should be an Indian citizen and resident of India;”
“Do right by the money, slice UPI credit card. Download slice”
“in line with the operating rules of the respective card network (Rupay).”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with slice or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. Methodology