slice UPI Credit Card

slice Small Finance Bank · Open to apply

A lifetime-free RuPay credit card from slice small finance bank that works on UPI, with zero forex markup. It earns 1 "monies" per ₹1 spent, redeemed as cash into a slice savings account at 1% (more only with a large monies balance), and slice can convert a purchase into 2 or 3 instalments for free.

Annual fee
Lifetime free
Joining fee
None
Base rate
1 monies per ₹1 on eligible spends: 1 monies per ₹1 (about 1% at cash value)
Lounges
None on record
Forex markup
0%
Data
From bank documents, checked 6 Nov 2026

Earns nothing on

  • No monies on fuel
  • No monies on insurance
  • No monies on rent
  • No monies on education fees
  • No monies on wallet loads
  • No monies on taxes and government services
  • No monies on online gaming and gambling
  • No monies on cash withdrawals and financial institutions
  • No monies on transactions converted to EMI (sliced)
  • No monies on international transactions

Where the sources disagree

  • reward rate: The card page advertises "up to 3% cashback on every scan". The MITC pays 1 monies per ₹1 and redeems monies at 1% to 2%, and at 3% only for a holder with an average quarterly slice savings balance of ₹5,00,000 and a monies balance of ₹5,00,000 at once. We enter the MITC's 1%.
  • fuel surcharge scope: The rates and pricing page lists the 2% surcharge above ₹25,000 as "Fuel & Railway" and "per month"; the MITC lists fuel only and a statement cycle. We enter fuel only, per statement (the issuer file's surcharge note).

Terms the calculator does not value

  • monies redemption slabs: the cash rate is 1% up to a ₹3,00,000 monies balance, 1.5% from ₹3,00,001 to ₹5,00,000, 2% above ₹5,00,000, and 3% above ₹5,00,000 only with a ₹5,00,000 average quarterly slice savings balance. Only the 1% rate is entered.
  • slice Spark: weekly brand deals in the app that give instant cashback. Their rates and merchants change and are not in the MITC.
  • Excluded MCCs: the MITC says the exclusion list is "including but not limited to" the categories above and adds agriculture (MCC 0763) and "transactions classified under excluded MCCs"; only the listed categories are entered.
  • The monies programme can be withdrawn or suspended for any cardholder at slice's discretion, and the MITC has no cap on monies earned.
  • slice bank transfer: money moved from the credit limit to the holder's savings account costs 2.5% (minimum ₹25) and accrues interest from the day of drawdown unless repaid with the next statement.
  • A secured (fixed-deposit) slice credit card appears on aggregator sites, but slice publishes no product page, MITC or rates for one, so it is not entered.

Sources

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