slice Credit Card Review (slice UPI Credit Card)
slice has transformed from a fintech app into a regulated bank: after merging with North East Small Finance Bank, it became Slice Small Finance Bank and, in June 2025, launched the slice UPI credit card. This is the current slice card — a lifetime-free, UPI-first product. (If you’ve seen “slice borrow”, that’s slice’s separate lending feature, not the card.) Here is the verified review.
- Lifetime-free — no joining or annual fee
- Up to 3% cashback on spends
- UPI-linked — pay by scanning QR codes
- slice-in-3: three interest-free instalments
- Fully digital, fast onboarding via the app
- Issued by a regulated bank (Slice SFB)
- Cashback caps and category rules apply
- App-only servicing
- Credit limits can start modest
- Don’t confuse the card with “slice borrow” (a loan)
- RuPay acceptance limited abroad
Fees & rewards
| Item | Detail |
|---|---|
| Joining/annual fee | Nil (lifetime-free) |
| Cashback | Up to 3% on spends (caps/categories apply) |
| UPI | Linkable — scan-and-pay at QR merchants |
| slice-in-3 | Split spends into 3 interest-free instalments |
| Issuer | Slice Small Finance Bank |
Eligibility & documents
Apply via
slice app (digital KYC)
Fee
Lifetime-free
Network
RuPay (UPI-linkable)
Best for
UPI-first, younger users
Recommended CIBIL
Accessible; new-to-credit friendly
Documents
PAN, Aadhaar (in-app KYC)
Rewards & the UPI experience
The slice UPI credit card’s pitch is simplicity: link it to UPI, scan any QR code, and earn up to 3% cashback — turning everyday QR payments into rewards on a credit line rather than your bank balance. The slice-in-3 instalment option adds flexibility for larger buys without interest. As a bank-issued, lifetime-free product, it’s an easy first credit card; just check the live cashback caps and eligible categories, which slice adjusts from time to time.
Who this card is for
- Best fit: UPI-first and first-time credit users who want a no-fee card with cashback.
- Skip if: you want premium travel perks or high uncapped rewards.
How to apply & how to cancel
Apply: through the slice app (digital KYC); the card is issued by Slice Small Finance Bank. Cancel: request closure in-app after clearing dues.
Final verdict
The slice UPI credit card is one of the better lifetime-free, UPI-native cards going — up to 3% cashback, scan-and-pay convenience, interest-free instalments and easy digital onboarding from a regulated bank. It’s an excellent first or everyday-UPI card. Just mind the cashback caps and don’t confuse it with slice’s separate “borrow” lending product.
Frequently asked questions
Is slice still a credit card?
Yes — after becoming Slice Small Finance Bank, slice launched the slice UPI credit card (June 2025), a lifetime-free UPI-linked card.
What’s the difference between the slice card and “slice borrow”?
The slice UPI credit card is a credit card; “slice borrow” is a separate personal-lending product in the slice app.
Does it have fees?
No — the slice UPI credit card has no joining or annual fee.
Can I use it on UPI?
Yes — link it to UPI and pay by scanning QR codes, earning up to 3% cashback (caps apply).
Data current as of June 2026, cross-checked against slice and Slice Small Finance Bank announcements. slice updates cashback terms periodically — confirm in the slice app before applying.