Fees
Annual feeINR 0 (Lifetime Free)
Joining feeINR 0
Renewal feeINR 0 (Lifetime Free)
Fee waiverLifetime Free – no spend condition required
Spend waiverNot Applicable – Lifetime Free card
Interest rate3.5% per month
Late paymentUp to INR 100: NIL; INR 101–500: INR 100; INR 501–1,000: INR 500; INR 1,001–5,000: INR 600; INR 5,001–10,000: INR 750; INR 10,001–25,000: INR 900; INR 25,001–50,000: INR 1,100; Above INR 50,000: INR 1,300
Forex markupNil – Zero forex markup
Cash advance2.5% of amount or INR 25, whichever is higher (bank transfer from credit limit)
Eligibility
Min income (salaried)INR 1L/yr (minimum)
Min income (self-emp.)Not mandatory; assessed via app-based underwriting
Income requirementNo strict income proof required; creditworthiness assessed via Slice proprietary underwriting; minimum age 18 years
Credit scoreNo minimum CIBIL required for first-time users; proprietary underwriting used
Age range18–45
Employment typeBoth (Salaried and Self-Employed)
Resident typeIndian (Resident Indian)
Rewards & cashback
Accelerated rateUp to 3% cashback; higher cashback with Slice savings account QAB maintained
Cashback %Up to 3% cashback on all spends including UPI transactions
Cashback capMonthly cashback cap applies; refer Slice app for current limits
Redemption optionsDirect cashback (Monies) credited to Slice wallet; redeemable against card bill
Points expiryMonies valid as per Slice terms; no standard expiry
Welcome bonusWelcome cashback offer on first eligible transaction; refer Slice app for current offer
Bonus categoriesAll UPI spends, dining, shopping, entertainment – cashback on every transaction
Travel & lounge
Domestic loungeNo lounge access
International loungeNo lounge access
Lounge conditionsN/A – no lounge access
Travel insuranceNo
Insurance coverageNot applicable
Hotel/flight offersPeriodic travel discounts via Slice app partner offers
ConciergeNo
Forex waiverYes – zero forex markup on international transactions
Lifestyle
Dining benefitsCashback on dining transactions; UPI QR code payments earn full cashback
Dining discountsPeriodic dining partner discounts via Slice app
Fuel surchargeYes – fuel surcharge waiver on eligible transactions
OTT subscriptionsDiscounts/cashback on OTT subscriptions during promotional periods
E-commerce offersFlipkart, Amazon, Swiggy, Zomato – cashback and deals via Slice offers section; UPI QR cashback on all merchants
ComplimentarySlice in 3 (free EMI splitting); UPI credit on any QR/app; real-time notifications; full app-based card management
Special offersUPI cashback on all merchant QR scans; periodic partner offers; refer Slice app for current promotions
AdditionalIndia's first UPI credit card; works on all UPI apps (Google Pay, PhonePe, Paytm etc.); zero fee card; cashback on UPI transactions; spend analytics via app
Credit limit & EMI
Default limitINR 2,000–50,000 (for new users)
Max limitINR 10,00,000
Cash withdrawalUp to INR 2,00,000 or approved credit limit (whichever is lower); cash advance fee applicable
EMI options3 months (Slice in 3, interest-free); 6/12/18/24 months (standard EMI with nominal interest)
EMI conversionYes – eligible transactions convertible to 3-month interest-free EMI via Slice app
Min EMI amountINR 1,999
Balance transferNot available
BT interest rateNot applicable
Insurance & protection
Purchase protectionNo (not a standard feature)
Lost card liabilityYes – zero liability on unauthorized transactions as per RBI guidelines
Other insuranceNo standard insurance cover
Coverage detailsZero liability protection per RBI Credit Card Guidelines 2022; no additional insurance covers
Digital & security
ContactlessYes
Virtual cardYes – instant virtual card on Slice app; physical RuPay card also issued
App featuresFull-featured Slice app: balance, transaction history, UPI integration, EMI split, reward tracking, card block/unblock, spend analytics, bill payment, UPI ATM access
Card controlsBlock/Unblock, Limit Management, UPI Enable/Disable, International transactions toggle, Spend limits
Fraud protection24x7 AI-based fraud monitoring, OTP authentication for online transactions, UPI PIN protection, real-time alerts, instant card lock via app
Zero liabilityYes – zero liability as per RBI Credit Card Guidelines 2022
WhatsApp supportYes