Slice UPI Credit Card Review 2026: Complete Information, Fees, Benefits, and Drawbacks

Published: September 22, 2026 By Credit Card Path Editorial

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Slice UPI Credit Card Review 2026: Complete Information, Fees, Benefits, and Drawbacks Estimated reading time: 10–12 minutes Slice UPI Credit Card – Official Image

1. Brief Introduction (Card Overview)

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Card Name: Slice UPI Credit Card (also known as Slice Super Card)

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Issuer Bank: Slice Small Finance Bank (formerly North East Small Finance Bank)

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Card Network: RuPay (fully UPI-enabled for Scan & Pay)

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Card Type: Lifetime-Free Cashback & UPI Credit Card

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Ideal User for this Card: Young professionals, first-time credit users, and heavy UPI spenders who want a simple, zero-fee card that works on every QR code, offers cashback on everyday taps and scans, and helps build a credit score without complexity.

Key Takeaways

Best for: New-to-credit users and daily UPI spenders looking for easy cashback and credit-building
Top Benefit: Up to 3% cashback on UPI Scan & Pay transactions + zero joining and annual fees
Annual Fee: ₹0 (Lifetime Free – no spend conditions)
Standout Feature: “Slice in 3” – split eligible purchases into 3 interest-free instalments at no extra cost
Verdict: Excellent starter UPI credit card for beginners; practical cashback is usually 1–2% for most users

2. Fees & Charges

Fee Type	Details
Joining Fee	₹0 (Nil)
Annual / Renewal Fee	₹0 (Lifetime Free – no conditions)
Forex Markup Fee	0% (Nil) on international transactions
Finance Charges (Interest)	3.5% per month (approximately 42% per annum) after the interest-free period
Reward Redemption Fee	₹0 (Nil – cashback is automatic)

Other charges: Late payment fees range from ₹0 to ₹1,300 depending on outstanding balance (plus GST). Card replacement typically ₹0–₹300 + GST. Bank transfer from credit limit 2.5% (min ₹25). Interest-free period up to 48–50 days when full payment is made.

3. Cashback, Rewards & Discounts

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Cashback Rate: Up to 3% cashback (called “monies”) on eligible UPI Scan & Pay and card transactions. Practical real-world range for most users is 1–2%.

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UPI Focus: Higher cashback potential on everyday QR-code payments and small-ticket UPI spends – ideal for chai, groceries, local merchants and daily expenses.

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Slice Spark Offers: Weekly rotating instant cashback deals on popular brands – no codes needed, credited automatically.

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Redemption: Cashback is credited as monies that can be used within the Slice ecosystem or adjusted against spends. No complicated points catalogue.

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No Caps on Small Spends: Designed to reward high-frequency, low-value UPI transactions that traditional cards often ignore.

4. Travel Benefits

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Zero Forex Markup: 0% foreign currency markup on international transactions – useful for online foreign purchases and overseas travel.

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Global Acceptance: Accepted in over 200 countries wherever RuPay is accepted (and via UPI where supported).

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Airport Lounge Access: No complimentary domestic or international lounge access is offered.

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Travel Insurance: No standard complimentary travel or purchase protection insurance is provided.

5. Other Lifestyle & Special Perks

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Slice in 3: Convert eligible purchases of ₹2,000 and above into three equal monthly instalments at zero extra cost (no interest, no processing fee).

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UPI Scan & Pay: Link the RuPay credit card to any UPI app and pay at any merchant QR code using your credit limit – just like a regular UPI transaction.

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Fully Digital Experience: Instant virtual card, real-time spend tracking, limit controls and bill payments – all managed inside the Slice app.

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Credit Building: Reports to major credit bureaus. Excellent for new-to-credit users who want to start building a positive CIBIL history.

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Dynamic Credit Limit: Limit can start as low as ₹2,000 and grow up to ₹10 lakh based on usage and repayment behaviour.

6. Eligibility Criteria

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Age: 18 years and above

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Nationality: Indian resident / Indian citizen

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Credit Score: No strict minimum CIBIL required – designed to be accessible for new-to-credit and thin-file applicants

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Income: No fixed high income bar published; underwriting is behaviour-based and more flexible than traditional banks

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Employment: Salaried, self-employed and students (meeting age criteria) can apply

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Other: Must complete KYC and preferably have or open a Slice savings account for seamless experience

7. Drawbacks & Cons

Variable Cashback: “Up to 3%” is marketing; most regular users realistically earn 1–2% depending on spend mix and conditions.

No Lounge Access: Zero complimentary airport lounge visits.

Limited Premium Perks: No golf, travel insurance, or high-value lifestyle benefits found on premium cards.

Surcharges on Certain Categories: Utility, rent, education and high-value fuel payments may attract small percentage fees above specified thresholds.

Foreclosure on Slice in 3: Early closure of instalments attracts a 3.5% foreclosure fee on remaining principal.

8. Similar & Alternative Cards

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Kiwi / Klick Credit Card: Another strong UPI cashback option. May offer higher base rates with a paid membership; Slice wins on pure zero-fee simplicity and Slice-in-3 flexibility.

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OneCard Metal: Lifetime-free metal card with better app control and 1% forex. Stronger for users who want a physical premium feel rather than pure UPI cashback.

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Amazon Pay ICICI or SuperMoney Axis: Better for Amazon/partner spends or higher flat cashback, but may have different fee structures or less seamless everyday QR usability than Slice.

9. Official Website & Essential Links

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Official Bank Link: Apply / View Official Page

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Terms & Conditions: View MITC / T&C

10. How to Apply

Online Steps:

Download the official Slice app from Google Play Store or Apple App Store.
Sign up or log in with your mobile number and complete basic profile details.
Navigate to the Credit Card section and start the application.
Complete digital KYC (Aadhaar-based e-KYC or video KYC) and submit income/employment details if asked.
On approval, activate the instant virtual card and start using it for UPI and online spends while the physical card (if ordered) is delivered.

Documents Required:

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Identity Proof: PAN Card + Aadhaar (linked to mobile number)

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Address Proof: Aadhaar or other accepted digital verification

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Selfie / Photo: Required for video or e-KYC

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Bank Account: Preferably a Slice savings account for smoother limit and repayment setup

11. Safety & Fraud Prevention Tips

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OTP & CVV Security: Banks or officials never ask for OTP, CVV, or passwords over the phone.

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Safe Links: Always use verified and secure channels to avoid any online fraud.

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App Controls: Use the Slice app to lock the card, set limits or disable channels instantly if you notice any unusual activity.

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Official Channels Only: Apply only through the official Slice app or website (slice.bank.in). Avoid third-party agents promising guaranteed approval.

12. Should You Get This Card? (Final Verdict)

Pros Summary: Best suited for first-time credit users, students, young professionals and anyone who makes frequent UPI payments and wants a zero-fee card that rewards everyday spends while helping build a credit score.

Final Conclusion: The Slice UPI Credit Card is one of the most accessible and practical lifetime-free credit cards available in India in 2026. It is not the highest-rewarding card for big spenders, but its combination of zero fees, seamless UPI Scan & Pay, Slice-in-3 instalments and genuine cashback on small daily transactions makes it an excellent starter or secondary card. If you already have strong premium cards, this may serve mainly as a convenient UPI credit line. For new-to-credit users, it is highly recommended.

13. Frequently Asked Questions (FAQs)

Q: Can this card be obtained as Lifetime Free?

A: Yes. The Slice UPI Credit Card has ₹0 joining fee and ₹0 annual fee for life with no spend conditions.

Q: How much cashback can I realistically expect?

A: While the card advertises up to 3%, most users earn between 1% and 2% on regular UPI and card spends depending on usage patterns and current offers.

Q: Does the card work on any UPI QR code?

A: Yes. Once linked to a UPI app, you can scan and pay at any merchant QR code using your credit limit just like a normal UPI transaction.

Q: What is “Slice in 3”?

A: It allows you to convert eligible purchases (usually ₹2,000+) into three equal monthly instalments at zero interest and zero processing fee.

Q: Is there a minimum credit score required?

A: No strict minimum is published. The card is designed to be accessible for new-to-credit and thin-file applicants.

Q: What is the forex markup?

A: 0% – there is no foreign currency markup fee on international transactions.

Q: Can I get lounge access with this card?

A: No. The Slice UPI Credit Card does not offer complimentary airport lounge access.

Q: How is cashback credited?

A: Cashback is credited as “monies” within the Slice app and can be used for future spends or adjusted against your account.

Q: What happens if I miss a payment?

A: Late payment fees apply based on the outstanding balance (from ₹0 up to ₹1,300 + GST). Interest will also start accruing on the unpaid amount.

Q: Is a physical card mandatory?

A: No. You get an instant virtual card on approval. A physical card can be ordered if needed (replacement fees may apply in some cases).

14. Expert Help & Next Steps

Still Confused? Not sure if this credit card is the right choice for your spending habits?

₹49 Expert Consultation: Get personalised advice from our credit card experts and apply safely without falling for online fraud.

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15. Disclaimer

Financial Disclaimer: The information provided in this article is strictly for educational and informational purposes. Credit card fees, interest rates, and terms & conditions (T&C) are subject to change by respective banks over time. Always check the official website of the relevant bank to review all rules thoroughly before applying for any card. We are not responsible for any financial losses or approved/rejected applications.

Disclaimer & affiliate disclosure: This review is for informational purposes only. Credit card features, fees and offers can change. Always verify details on the official bank website and MITC before applying. Credit Card Path may earn a commission if you apply through links on this page at no extra cost to you. This does not change the price you pay. We are not a bank or RBI-regulated lender.

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