Zero-Forex UPI Credit Card — 1% to 3% Tiered Monies Cashback & Slice-in-3
Free
One-time upfrontFree
Waiver on milestone1% base return (1 money per ₹1 spent), scaling to 1.5%, 2%, and up to 3% based on monies holdings and linked slice savings account tier
On eligible spendsNo Lounge Access
Complimentary visitsLast verified 21 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
Officially launched on 28 June 2025 by Slice Small Finance Bank (following the merger with North East Small Finance Bank), the slice UPI credit card bridges the gap between UPI credit convenience and zero-forex travel spending. With ₹0 joining and annual fees, it provides 0% forex and DCC markups for international transactions—though international purchases do not earn rewards. Domestically, cardholders earn 1% base cashback via slice monies, scaling up to 3% for users who maintain higher monies balances and an active Slice savings account relationship. Eligible purchases can also be sliced into 2 or 3 months with zero processing fees.
Convert eligible purchases into 2 or 3 equal monthly instalments via the slice app with ₹0 processing fees (foreclosure fee 3.5% + GST). Sliced spends earn no monies.
0% foreign currency markup and 0% DCC markup on international card usage (note: international spends do not accrue slice monies).
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| All Eligible Domestic & UPI Spends (Tier 1 Base) | 1% base return (1 money per ₹1 spent; redeemable at 1% for standard tier; scales up to 3% with higher monies & savings balance) | No Cap | Standard terms apply |
| Accelerated Tiered Spends (Up to 3% with Slice Savings Account) | Up to 3% return for qualifying cardholders maintaining higher monies holdings and qualifying average quarterly balance in linked slice savings account | No Cap | Standard terms apply |
| International Transactions (Zero Forex Markup / 0% Rewards) | 0% rewards (international transactions incur 0% forex markup but earn NO slice monies) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Authoritative backend calculation respecting category rates, monthly caps, fee waivers & milestones.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| All Eligible Domestic & UPI Spends (Tier 1 Base) | ₹18,000 | 1% base return (1 money per ₹1 spent; redeemable at 1% for standard tier; scales up to 3% with higher monies & savings balance) | — | None | Calculating... | Under cap |
| Accelerated Tiered Spends (Up to 3% with Slice Savings Account) | ₹6,000 | Up to 3% return for qualifying cardholders maintaining higher monies holdings and qualifying average quarterly balance in linked slice savings account | — | None | Calculating... | Under cap |
| International Transactions (Zero Forex Markup / 0% Rewards) | ₹6,000 | 0% rewards (international transactions incur 0% forex markup but earn NO slice monies) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Fees: Joining ₹0, Annual ₹0, Card replacement ₹0. Contractual terms reserve the right to levy renewal charges at expiry. Rewards: 1% base return (1 money per ₹1 spent) up to 3% across tiers linked to monies balance and Slice savings account AQB. 0% rewards on international transactions, EMI conversions, wallet loads, fuel, rent, insurance, government, and education. Forex: 0% foreign currency markup, 0% DCC markup. Slicing: 2 or 3 months tenure on eligible spends with ₹0 processing fee (3.5% + GST foreclosure fee). Eligibility: Age 18+, Indian resident, Slice savings account and digital KYC required. Network: RuPay on UPI. No airport lounge access.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding slice UPI credit card application, fees, reward redemption, and eligibility
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Best for: Budget-conscious shoppers and entry-level cardholders seeking consistent everyday savings and low annual fee maintenance.
Rewards: Up to 1.5% Cashback on Online Spends (>₹10k FD) & 1.0% on Offline/UPI Spends
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Best for: Daily digital spenders, mobile UPI QR payments, and consumers looking for a lifetime free RuPay credit card with direct cashback conversion.
Rewards: 1.5% Cashback on UPI Scan & Pay + 0.5% Cashback on Online Spends
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Best for: Zero Forex Markup, Scapia Travel Rewards & RuPay UPI
Rewards: 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex.
Lounge access: Unlimited Domestic visits · ₹20k preceding billing-cycle spend required
Forex markup: 0% (Zero Forex)
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Best for: Zero Forex Markup, Scapia Travel Rewards & RuPay UPI
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Lounge access: Unlimited Domestic visits · ₹20k monthly spend required
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Rewards: 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex.
Lounge access: Unlimited Domestic visits · ₹20k monthly spend required
Forex markup: 0% (Zero Forex)
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Best for: Heavy Google Pay users, digital bill payers, and urban consumers seeking accelerated rewards on routine mobile recharges and merchant QR codes.
Rewards: 1 Star per ₹500 spent (0.20% value; 1 Star = ₹1), up to 8 Stars per ₹500 (1.60% value) on spend tiers
Renewal fee waived on ₹1,00,000 annual spend
Last verified 2 Oct 2026
Direct online application on the official Slice Small Finance Bank portal with paperless verification.