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Slice Small Finance Bank · Visa / RuPay · हिन्दी

Slice UPI Credit Card: full review

The Slice UPI credit card is a lifetime-free first card that realistically pays 1% back on everyday card and UPI spends. The advertised 3% needs ₹5 lakh of unredeemed monies and a ₹5 lakh savings balance, so treat it as a 1% card. Its standout is zero forex markup, unusual for a free card, though international spends earn no cashback.

Apply now ↗Annual fee: Lifetime free
Last updated: October 2026 · Current terms verified
SLICE SMALL FINA
VISA
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SLICE UPI
ASHOK KUMAR
12/28
Lifetime freeAnnual fee
1% cashback (as monies) on eligible card and UPI spends; the rate rises to 1.5% or 2% only once you hold ₹3 lakh or ₹5 lakh of unredeemed monies, and to 3% with ₹5 lakh of monies plus a ₹5 lakh average savings balance; fuel, rent, wallet loads, insurance, education, government payments, gaming, EMIs and international spends earn nothingReward structure
NoneLounge access

Key benefits of the Slice UPI Credit Card

1% cashback on eligible card and UPI spends, paid as monies you redeem as cash into your slice savings accountZero forex markup and zero DCC markup on international spends, though they earn no cashbackHigher rates for large balances: 1.5% above ₹3 lakh and 2% above ₹5 lakh of unredeemed monies, and 3% with ₹5 lakh of monies and a ₹5 lakh average quarterly savings balanceslice in 3: split a purchase into 3 interest-free instalments (3.5% charge if you close it early)No joining, annual or card replacement fee
Apply now ↗ Min. income: Flexible (18+ with any income) · Credit score: 600+
Pros and cons
Pros
✓ Lifetime free with no spend conditions
✓ 1% back on UPI payments, which many free cards exclude
✓ Zero forex markup, rare on a free card
✓ Instant digital card and easy approval for new-to-credit users
Cons
✗ The higher 1.5% to 3% rates need lakhs of rupees in unredeemed monies, so most users earn 1%
✗ Fuel, rent, wallet loads, insurance, education, government payments, EMIs and international spends earn nothing
✗ Redeeming cashback needs a slice savings account
✗ 1% charge on utility payments above ₹25,000 and rent above ₹10,000 in a billing cycle
Quick facts
Issuer Slice Small Finance Bank
Network Visa / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 0%
Interest rate 3.5% per month (42% a year)
Fee waiver No joining or annual fee
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Flexible (18+ with any income)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 600+
Sourceslice Small Finance Bank's Most Important Terms and Conditions (MITC) for the slice credit card · Last checked October 2026
Recent updates

Rewards and forex updated to match slice's MITC: cashback is 1% on eligible spends, rising to 1.5% to 3% only with a large unredeemed monies balance, and the forex markup is now zero.

Cashback2% on all spends1% on eligible spends (1.5% to 3% only with ₹3 lakh or more of unredeemed monies)
Forex markup3.5%0%
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Frequently asked questions
The annual fee for Slice UPI Credit Card is Lifetime free. This card is lifetime free with no annual fee. Fee waiver: No joining or annual fee.
The main benefits of the Slice UPI Credit Card are: 1% cashback on eligible card and UPI spends, paid as monies you redeem as cash into your slice savings account; Zero forex markup and zero DCC markup on international spends, though they earn no cashback; Higher rates for large balances: 1.5% above ₹3 lakh and 2% above ₹5 lakh of unredeemed monies, and 3% with ₹5 lakh of monies and a ₹5 lakh average quarterly savings balance; slice in 3: split a purchase into 3 interest-free instalments (3.5% charge if you close it early); No joining, annual or card replacement fee.
1% cashback (as monies) on eligible card and UPI spends; the rate rises to 1.5% or 2% only once you hold ₹3 lakh or ₹5 lakh of unredeemed monies, and to 3% with ₹5 lakh of monies plus a ₹5 lakh average savings balance; fuel, rent, wallet loads, insurance, education, government payments, gaming, EMIs and international spends earn nothing
Slice UPI Credit Card is best for New-to-credit users wanting a lifetime-free card with 1% back on UPI and zero forex markup. The Slice UPI credit card is a lifetime-free first card that realistically pays 1% back on everyday card and UPI spends. The advertised 3% needs ₹5 lakh of unredeemed monies and a ₹5 lakh savings balance, so treat it as a 1% card. Its standout is zero forex markup, unusual for a free card, though international spends earn no cashback.
The minimum income requirement for Slice UPI Credit Card is Flexible (18+ with any income). A minimum credit score of 600+ is also recommended.
Slice UPI Credit Card does not offer airport lounge access.
Slice UPI Credit Card charges a 0% foreign currency markup on international transactions. This is one of the best forex rates in India.
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