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Comparison · हिन्दी

Kiwi RuPay vs Slice UPI

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

Last updated: October 2026 · Based on current card terms
YES / AU
RUPAY
ASHOK KUMAR
VS
SLICE SMAL
UPI
ASHOK KUMAR
Our verdict
Kiwi RuPay Credit Card wins for most people
Card A wins with ₹1,920 annual benefit versus Card B's ₹1,440. Its higher cashback on UPI transactions and broader reward coverage make it the clear choice for this balanced spend profile.
Side-by-side comparison
Kiwi RuPay Credit Card ✓ Slice UPI Credit Card
Annual benefit ₹1,920 ₹1,440
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 → 1.5% cashback on all UPI Scan & Pay transactions; 0.5% on online spends 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 (on standard; milestone-based on Neon plan) 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 UPI-first spenders who pay via QR codes at offline stores 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 → Flexible (new-to-credit friendly) 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+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
Kiwi RuPay Credit Card
Choose Card A if you frequently use UPI payments at offline stores via QR codes. Its 1.5% cashback on UPI Scan & Pay transactions maximizes rewards on your shopping and dining habits.
Slice UPI Credit Card
Choose Card B if you're new to credit and prefer simplicity with straightforward 1% cashback. It works best for users who don't frequently use UPI payments and want a hassle-free entry card.
Who should get which card
Get Kiwi RuPay if you…
· 1.5% cashback on UPI QR code payments at stores
· Higher annual benefit (₹1,920 vs ₹1,440)
· Better suited for your current shopping and dining spend
· No restrictions on reward categories
Get Slice UPI if you…
· Simpler reward structure with no UPI-specific requirements
· Lifetime-free with no hidden conditions
· Good entry card for credit-new users
· 1% cashback as instant monies on all eligible spends
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, Kiwi RuPay Credit Card offers better annual returns for most spend profiles.
Kiwi RuPay Credit Card has an annual fee of Lifetime free. Slice UPI Credit Card has an annual fee of Lifetime free.
Kiwi RuPay Credit Card offers 1.5% cashback on all UPI Scan & Pay transactions; 0.5% on online spends. 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.
Kiwi RuPay Credit Card lounge access: None (on standard; milestone-based on Neon plan). Slice UPI Credit Card lounge access: None.
Kiwi RuPay Credit Card charges 3.5% forex markup. Slice UPI Credit Card charges 0% forex markup.