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faayda.com › compare › ICICI Platinum Chip vs Slice UPI
Comparison · हिन्दी

ICICI Platinum Chip vs Slice UPI

Both cards compared on real rupee returns for best lifetime free first credit card India ICICI vs Slice. We ran the numbers so you can make the right call.

Last updated: · Based on current card terms
ICICI
PLATINUM CHIP
ASHOK KUMAR
VS
SLICE SMAL
UPI
ASHOK KUMAR
Our verdict
Slice UPI Credit Card wins for most people
Slice UPI wins with ₹1,560 annual benefit versus ICICI Platinum Chip's ₹720. Both are lifetime-free, but Slice's 1% cashback on eligible spends delivers more than double the rewards on this profile.
Side-by-side comparison
ICICI Bank Platinum Chip Credit Card Slice UPI Credit Card ✓
Annual benefit ₹720 ₹1,560
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free Lifetime free
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 2 reward points per ₹100 on retail (0.5%); 1 RP per ₹100 on utility and insurance (0.25%) 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
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 0%
Best for First credit card with zero cost and basic rewards on every spend New-to-credit users wanting a lifetime-free card with 1% back on UPI and zero forex markup
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹15,000/month (salaried) Flexible (18+ with any income)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 650+ 600+
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When each card wins
ICICI Bank Platinum Chip Credit Card
ICICI Platinum Chip suits those prioritizing simplicity and broad acceptance without tracking cashback thresholds. It rewards every rupee spent across all categories equally without earning caps or exclusions.
Slice UPI Credit Card
Slice UPI excels for digitally-savvy users who spend frequently on card and UPI. Your ₹10,000 monthly shopping and dining spend qualifies for 1% cashback, easily outpacing ICICI's point redemption value.
Who should get which card
Get ICICI Bank Platinum Chip if you…
· Prefer straightforward rewards without earning conditions or thresholds
· Occasionally use credit; don't need optimized cashback structure
· Want a card accepted everywhere with zero complexity
Get Slice UPI if you…
· High monthly card and UPI spending (₹10,000+ in eligible categories)
· Digital-first lifestyle with regular online and UPI transactions
· Want maximum cashback value on shopping, dining, and groceries
Partner offer
Roarbank RuPay Credit Card
New-to-credit users who want a lifetime-free RuPay UPI card with a built-in savings account, and who will actively pick and track their monthly cashback categories
Apply now →
UNITY
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, Slice UPI Credit Card offers better annual returns for most spend profiles.
ICICI Bank Platinum Chip Credit Card has an annual fee of Lifetime free. Slice UPI Credit Card has an annual fee of Lifetime free.
ICICI Bank Platinum Chip Credit Card offers 2 reward points per ₹100 on retail (0.5%); 1 RP per ₹100 on utility and insurance (0.25%). Slice UPI Credit Card offers 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.
ICICI Bank Platinum Chip Credit Card lounge access: None. Slice UPI Credit Card lounge access: None.
ICICI Bank Platinum Chip Credit Card charges 3.5% forex markup. Slice UPI Credit Card charges 0% forex markup.