Slice UPI Credit Card Review 2026: Get Up to 3% Cashback on Scan & Pay + ₹500 Referral Bonus

Looking for a UPI credit card in India that lets you scan any merchant QR code and earn cashback on everyday purchases? The Slice UPI Credit Card is designed to make regular UPI payments more rewarding. From paying for your morning chai to shopping at local stores, you can use your credit card through UPI instead of directly spending money from your savings account.

Slice advertises up to 3% cashback on eligible spends, including small payments such as a ₹10 chai. It also offers features such as Slice in 3, Slice Spark deals, and zero joining and annual fees.

There is another reason to check it out: through my referral invitation, eligible new users may receive ₹500 on their first payment after signing up with my referral code.

In this detailed Slice UPI Credit Card review, we will cover its features, cashback benefits, fees, eligibility, how to apply, referral rewards, pros and cons, and whether it is worth using in 2026.

My Slice Referral Code: SHAIL93821

GET SLICE UPI CREDIT CARD – CLAIM YOUR ₹500 REFERRAL OFFER

Referral rewards are subject to the offer’s eligibility requirements and applicable terms.

What Is Slice UPI Credit Card?

The Slice UPI Credit Card is a credit card offered by Slice Small Finance Bank. It combines the convenience of UPI payments with a credit card facility.

Instead of paying directly from your savings account, you can select your linked Slice credit card as the payment source and scan eligible merchant QR codes to make payments.

This can be useful for everyday transactions such as:

Paying at tea and coffee shops.
Buying groceries from local stores.
Paying at restaurants and cafes.
Shopping at eligible offline merchants.
Making small everyday purchases.
Paying at merchants that accept RuPay credit card on UPI.

The main attraction is the possibility of earning cashback on eligible purchases while keeping your savings account balance untouched until your credit card bill is due.

However, remember that credit card spending is borrowed money. You must repay the outstanding bill by its due date to avoid interest and late payment charges.

Slice UPI Credit Card – Key Features and Benefits

Let’s look at the major features that make Slice interesting for everyday UPI users.

1. Earn Up to 3% Cashback on UPI Payments

One of the biggest attractions of Slice is its advertised cashback of up to 3% on eligible scan-and-pay transactions.

For example, you might use it for small everyday payments such as:

₹10 chai or coffee.
₹50 snacks.
₹100 grocery purchases.
₹200 restaurant payments.
Other eligible merchant transactions.

The actual cashback depends on the applicable reward programme, transaction eligibility, and offer conditions. Do not assume that every transaction automatically receives a flat 3% cashback.

TRY SLICE UPI – USE MY REFERRAL CODE SHAIL93821

2. Keep Your Savings Untouched

One interesting advantage of a credit card on UPI is that eligible payments are charged to your credit limit rather than immediately debited from your savings account.

For example, suppose you have ₹10,000 in your savings account and make a ₹500 eligible merchant payment using your Slice credit card.

Your savings account balance does not get reduced by that card transaction. Instead, the ₹500 becomes part of your credit card outstanding balance, which you need to repay according to your billing cycle.

This can help with short-term cash-flow management, provided you pay your bill on time.

3. No Joining Fee and No Annual Fee

Slice advertises zero joining fees and zero annual membership fees for its credit card.

This is useful if you want to try a credit card without paying a regular membership fee.

However, zero annual fees do not mean every possible transaction is free. Certain transactions, such as bank transfers, rent payments, education payments, and other excluded categories, may attract charges.

Always check the latest fee schedule before using the card.

4. Slice in 3 – Split Eligible Purchases into Three Payments

Slice also promotes a feature called Slice in 3.

It allows eligible purchases to be split into three instalments without extra charges under the applicable feature terms.

This may help you manage selected purchases without paying the entire amount at once.

Before using this feature, check the transaction eligibility, repayment schedule, and applicable terms in the app.

5. Slice Spark – Special Cashback Deals

Another interesting feature is Slice Spark.

It provides promotional deals and cashback offers on selected brands and purchases.

You may find offers on shopping, entertainment, food, and other categories depending on the campaigns available in your account.

Some offers require activation before making a qualifying payment. Check the minimum transaction amount, cashback cap, validity period, and eligible payment method before completing a purchase.

6. Zero Forex Markup

Slice’s published credit card fee schedule lists zero forex markup.

This can be useful for eligible international transactions. However, other conditions, merchant charges, currency conversion rates, and transaction restrictions may still apply.

7. Scan and Pay Using UPI

You can use the Slice credit card through UPI for eligible merchant payments.

Once your credit card is linked, you can select it as your payment method and scan a merchant QR code.

Remember that credit card on UPI is intended for eligible merchant payments. It is not a way to transfer your credit limit to friends or send money to another person’s bank account.

Slice UPI Credit Card Referral Offer: Get ₹500 on Your First Payment

If you are planning to try Slice, you can use my referral invitation while registering.

My referral offer advertises a ₹500 reward on your first payment for eligible new users.

Here are the referral details:

Referral code: SHAIL93821
Referral link: https://slice.bank.in/t?c=K3ZGRCZ&ic=SHAIL93821
Advertised reward: ₹500 on the first payment.
Eligibility: Subject to the referral campaign’s conditions.

How to Claim the Slice Referral Reward

Open my Slice referral link.
Download or open the official Slice application.
Register using your eligible mobile number.
Enter or verify the referral code SHAIL93821 if requested.
Complete the required account or credit card application process.
Wait for approval and activation, if applicable.
Make the qualifying first payment according to the referral offer.
Check the app to see whether the reward has been credited.

SIGN UP WITH MY SLICE REFERRAL LINK – CHECK ₹500 OFFER

Important: The ₹500 offer is based on the referral invitation shared for this article. The reward is not guaranteed for every applicant. Confirm the offer amount, qualifying payment, expiry date, and eligibility in the official app before proceeding.

How to Apply for Slice UPI Credit Card Online

Applying for Slice is an online process. You can start through the official Slice website or application.

Follow these general steps:

Visit the official Slice website using the referral link above.
Download the Slice app from the official app store.
Register using your mobile number.
Complete the identity verification and KYC process requested by the bank.
Provide the required personal and financial information.
Submit your credit card application.
Wait for the bank’s eligibility assessment and approval.
If approved, follow the instructions to activate and use your card.

Official application link: Apply for Slice UPI Credit Card

Credit card approval is subject to the bank’s internal policies. Applying through a referral link does not guarantee approval.

How to Use Slice Credit Card for UPI Scan and Pay

After your card is approved and activated, you can use it for eligible UPI merchant transactions.

The general process is:

Open the Slice application.
Complete the required setup and verification.
Select the UPI scan option.
Scan the QR code displayed by the merchant.
Verify the merchant’s name and payment amount.
Select the Slice credit card as your payment source.
Authenticate the transaction using the required PIN or verification method.
Check the payment confirmation in the app.

Only eligible merchant QR payments are supported. Some QR codes or transaction categories may not accept credit card on UPI.

Slice UPI Credit Card Fees and Charges

Before applying for any credit card, you should understand its fees and charges.

Slice’s published Most Important Terms and Conditions list the following examples:

Joining fee: ₹0.
Annual membership fee: ₹0.
Card replacement fee: ₹0.
Forex markup: ₹0.
Bank transfer from credit limit: 2.5%, minimum ₹25.
Education payments through third-party apps: 1%, minimum ₹10.
Rent payments: 1% on applicable transactions above the specified threshold.
Utility payments: 1% on applicable transactions above the specified threshold.
Fuel surcharge: 2% on applicable spends above the specified threshold.

The published MITC also lists a finance charge of 3.5% per month (42% annually) after the interest-free period ends, excluding applicable taxes.

Late payment fees can also apply depending on the outstanding amount.

These are examples from the published fee schedule, not a complete list of every possible charge. Check the latest official MITC and cardholder agreement before applying.

Slice UPI Credit Card Cashback: Important Things to Know

Cashback is attractive, but it is important to understand how rewards work.

Keep these points in mind:

Cashback is available only on eligible transactions.
Promotional cashback offers may have minimum spend requirements.
Some offers require activation before payment.
Cashback may have per-transaction or monthly limits.
Certain merchant categories and transaction types may be excluded.
Rewards and cashback programmes can change over time.
EMI transactions and selected categories may not earn regular rewards.

The bank’s published terms also describe a separate rewards currency called monies. Eligible credit card transactions can earn monies according to the applicable programme rules, while certain categories such as fuel, insurance, wallet loads, education fees, taxes, and EMI-converted transactions are excluded.

Therefore, always check the reward details shown in your own Slice app rather than relying only on an advertised maximum cashback percentage.

Is Slice UPI Credit Card Safe and Legit?

Slice is a financial services brand operating through Slice Small Finance Bank Limited.

Its official website publishes credit card information, fees, terms and conditions, and customer support details. The card is designed for eligible UPI merchant payments and credit card transactions.

However, using any credit card responsibly is important.

Follow these precautions:

Never share your UPI PIN, OTP, or card credentials.
Pay your credit card bill before the due date.
Avoid spending more than you can repay.
Check every transaction before authorising payment.
Read the fees and exclusions carefully.
Contact official support if you notice an unauthorised transaction.

A credit card is not free money. If you carry an unpaid balance beyond the interest-free period, interest and other charges can make your purchases expensive.

Pros and Cons of Slice UPI Credit Card

Pros

Advertises up to 3% cashback on eligible spends.
Useful for everyday merchant QR payments.
Advertised ₹500 referral reward for eligible new users through my invitation.
Zero joining fee.
Zero annual membership fee.
Slice Spark promotional offers.
Slice in 3 feature for eligible purchases.
Zero forex markup as listed in the fee schedule.
Helps keep savings account funds available until the card bill is due.

Cons

Credit card approval is not guaranteed.
Cashback depends on eligible transactions and applicable conditions.
Not every QR code accepts credit card on UPI.
Certain transaction categories are excluded from rewards.
Interest and late payment fees can be expensive.
Spending on credit can encourage unnecessary purchases.
The referral reward is subject to campaign eligibility.

Slice UPI Credit Card vs Regular UPI Apps

Regular UPI apps generally allow you to make payments directly from your linked bank account.

A UPI credit card offers another payment option: eligible merchant transactions can be charged to your credit limit instead of being immediately deducted from your savings account.

The main difference is how you fund the payment.

If you use regular bank-account UPI, the money is deducted from your account immediately. If you use an eligible Slice credit card transaction, the amount is added to your credit card outstanding balance and must be repaid later.

If your priority is managing short-term cash flow and earning eligible rewards, a UPI credit card may be worth considering. If you prefer to avoid credit and debt, regular bank-account UPI may be more suitable.

You can also read our comparison: Paytm UPI vs super.money UPI Review 2026.

Who Should Apply for Slice UPI Credit Card?

Slice may be worth considering if you:

Frequently make UPI payments at local shops.
Want to use a credit card for eligible QR payments.
Prefer a card with no joining or annual membership fee.
Want to explore cashback and promotional deals.
Can manage credit card repayments responsibly.
Want an additional payment option for everyday purchases.

It may not be suitable if you regularly miss bill payments, want to avoid borrowing, or expect guaranteed cashback on every transaction.

Frequently Asked Questions (FAQs)

1. What is Slice UPI Credit Card?

Slice UPI Credit Card is a credit card that supports eligible merchant payments through UPI. It allows users to scan merchant QR codes and pay using their available credit limit.

2. Can I get 3% cashback on every UPI payment?

Slice advertises up to 3% cashback on eligible spends. The actual cashback depends on the applicable reward programme, transaction eligibility, and offer conditions. It should not be treated as a guaranteed flat rate on every payment.

3. How can I get ₹500 from the Slice referral code?

Use the referral link and code SHAIL93821 while registering, if requested. Your invitation advertises ₹500 on the first payment for eligible users. The reward depends on the campaign’s conditions and successful completion of the qualifying steps.

4. Is Slice UPI Credit Card free?

The published fee schedule lists zero joining and annual membership fees. However, certain transactions, late payments, and outstanding balances may attract charges.

5. Can I use Slice Credit Card to scan any QR code?

No. Credit card on UPI is intended for eligible merchant payments. Some QR codes, peer-to-peer transfers, and selected transaction categories are not supported.

6. Can I use Slice UPI Credit Card for a ₹10 chai payment?

The official Slice website advertises cashback of up to 3%, even on a ₹10 chai. Actual rewards depend on the transaction being eligible under the applicable programme.

7. Does Slice Credit Card affect my credit score?

Like other credit cards, its usage and repayment behaviour may affect your credit profile. Paying bills on time and keeping credit utilisation under control can help maintain a healthy credit history. Missed payments and excessive borrowing can have a negative impact.

8. Is Slice UPI Credit Card safe?

Slice Small Finance Bank publishes official product terms and card-related information. Use the official app, protect your credentials, and report suspicious transactions immediately.

9. Does Slice offer an annual fee waiver?

The published Slice credit card fee schedule lists a zero annual membership fee. Always check the latest terms for the product you are applying for.

10. How do I check my Slice cashback?

Open the Slice app and check the relevant transaction, rewards, or offer section. Cashback crediting and eligibility depend on the specific reward programme.

Final Verdict: Is Slice UPI Credit Card Worth It in 2026?

The Slice UPI Credit Card is an interesting option for people who regularly use UPI and want the convenience of making eligible merchant payments through a credit card.

Its advertised cashback of up to 3%, zero joining and annual fees, Slice Spark deals, and Slice in 3 feature make it worth exploring.

The additional ₹500 referral offer shared in this article may make the application more attractive for eligible new users.

However, don’t apply just for cashback. Check the actual rewards available to you, read the fee schedule, and make sure you can repay your credit card bill in full and on time.

My recommendation: If you are comfortable using credit responsibly and want another way to make everyday UPI payments, check the Slice offer and decide whether it fits your spending habits.

ENROLL NOW – APPLY FOR SLICE UPI CREDIT CARD WITH MY REFERRAL CODE

Referral code: SHAIL93821

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Affiliate Disclosure

This article contains an affiliate/referral link. If you sign up using the link or referral code provided, WhiteWhoop may receive a referral benefit. The referral offer is subject to Slice’s eligibility requirements and terms. This does not change our intention to provide useful and transparent information.

Disclaimer

This article is for informational and educational purposes only and should not be considered financial advice. Credit card approval, cashback, rewards, fees, and referral benefits are subject to the bank’s latest policies and terms. Please review the official Slice website and cardholder agreement before applying or making financial decisions.