The verdict
slice small finance bank ka zero-annual-fee RuPay credit card, jisme app controls aur monies rewards hain. Actual reward rate eligible spends aur redemption ke time monies balance par depend karti hai.
Current MITC eligible card spends par ₹1 ke liye 1 monies accrue karta hai. Cash redemption rate monies balance ke hisaab se 1%, 1.5% ya 2% hai; 3% ke liye slice savings mein ₹5 lakh average quarterly balance aur minimum ₹5 lakh monies dono chahiye. Excluded spends aur redemption balance ko dekhte hue fixed monthly cashback estimate misleading hoga.
Jo cardholders airport lounge access ya airline miles chahte hain, unke liye Scapia ya HDFC Regalia Gold zyada suitable rahenge.
✓What works
- +₹0 joining aur annual fee under current MITC; card expiry par renewal fee lag sakti hai.
- +Monies balance ke hisaab se 1%, 1.5% ya 2% cash redemption; conditions par 3%.
- +Google Pay, PhonePe aur slice app par seamless RuPay UPI QR Scan & Pay.
- +Monies ko slice savings account mein cash ke roop mein redeem kar sakte hain; rate balance slab par depend karti hai.
- +Flexible bill repayment aur smart installment splitting inside slice app.
- +Directly issued by RBI-licensed slice small finance bank ltd.
✕What doesn't
- −slice mobile app install aur setup karna required hai.
- −Airport lounge access included nahi hai.
- −EMI, wallet, fuel, insurance, rent, education, tax, government, international spends aur specified MCCs par rewards nahi milte.
What it earns
MITC eligible card transactions par ₹1 spend ke liye 1 monies accrue karta hai; cash redemption rate monies balance ke hisaab se vary karti hai.
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| All Domestic Online & Offline Spends | Monies balance ke hisaab se 1%–2%; conditions par 3% | Uncapped | Redemption slab aur eligible spends ke hisaab se vary karta hai |
| RuPay UPI Merchant Payments | Monies balance ke hisaab se 1%–2%; conditions par 3% | Uncapped | Redemption slab aur eligible spends ke hisaab se vary karta hai |
| Fuel Purchases | 0% | Excluded | 0 Points |
Accelerated earn
This card does not offer merchant portal or accelerated multiplier rates.
Redemption options
Monies slice savings account mein cash ke roop mein redeem hote hain; applicable rate balance slab par depend karti hai.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| slice Savings Account mein Cash CreditBEST VALUE | Balance slab ke mutabik slice savings account mein cash credit | Current MITC ke mutabik | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Current MITC exclusions ke subject eligible card transactions aur merchant UPI payments.
- +Balance slab ke mutabik slice savings account mein monies cash redemption.
✕Excluded Spends & Fee Traps
- −P2P UPI fund transfers.
- −ATM cash withdrawals.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹0 under current MITC; renewal fee may apply after expiry |
| Annual Renewal Fee | ₹0 under current MITC; renewal fee may apply after expiry |
| Finance Charges (Interest Rate) | 3.5% per month (42% per annum) |
| Bank Transfer Fee | Transfer amount ka 2.5% (Minimum ₹25) |
| Foreign Currency Markup | ₹0 bank markup (network conversion rates lag sakte hain) |
| Late Payment Charges | ₹0–₹1,300, total due ke hisaab se |
| Card Replacement Fee | ₹0 |
| Fuel Service Charge | Billing cycle mein total fuel spend ₹25,000 se upar jaane par per transaction 2% (minimum ₹10) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age Requirement | 18 se 60 saal |
| Minimum Monthly Income | ₹20,000+ per month (Salaried) ya ₹3L+ ITR (Self-Employed) |
| Credit Score (CIBIL) | 700+ recommended for smooth approval |
Frequently Asked Questions
slice monies ki rupees mein value kitni hai?
10,000 slice monies ki cash value kya hai?
slice credit card ke MITC (Schedule of Charges) mein key terms kya hain?
slice credit card par kitna interest rate (APR) charge hota hai?
Kya slice credit card sach mein 100% Lifetime Free (LTF) hai?
Kya slice credit card ko UPI apps se link kar sakte hain?
Editorial Deep-Dive Analysis
Comprehensive Overview: slice Credit Card
slice credit card direct slice small finance bank ltd. dwara issue kiya jane wala ek digital RuPay credit card hai. Transparent aur digital-first setup par operate karte hue yeh card apne Most Important Terms & Conditions (MITC) ke mutabik ₹0 joining fee aur ₹0 annual membership fees carry karta hai, jabki card expiry par bank renewal fee introduce karne ka right reserve rakhta hai. Regular retail spends aur merchant payments ke liye built yeh card eligible spend ke har ₹1 par 1 monies deta hai, jiska slab-based cash redemption linked slice savings account me credit hota hai.
Key Privileges aur Practical Everyday Benefits
- ₹0 Annual Fee Structure: Active MITC ke andar ₹0 joining fee aur ₹0 annual renewal fee ka benefit lein, jo organized credit me zero-cost entry provide karta hai.
- RuPay UPI Merchant Payments: India bhar ke retail merchants par seamless QR scan-and-pay transactions ke liye apne card ko Google Pay, PhonePe, Paytm ya slice app se connect karein.
- Balance-Tiered Monies Cash Redemption: Har eligible ₹1 spend par 1 monies milta hai. Accumulated monies ko slice savings account me direct cash deposit ke roop me slab-wise rates par convert kiya ja sakta hai:
| Monies balance at redemption | Cash redemption rate | Calculation se 1 monies ki value |
|---|---|---|
| 300,000 tak | 1% | ₹0.01 |
| 300,001–500,000 | 1.5% | ₹0.015 |
| 500,000 se upar | 2% | ₹0.02 |
| 500,000 se upar, qualifying savings balance ke sath | 3% | ₹0.03 |
3% slab unlock karne ke liye slice savings account me minimum ₹5 lakh average quarterly balance preceding 90 days ke hisaab se aur 500,000 monies zaroori hain. 1% tier par ₹10,000 spend par 10,000 monies earn hote hain jinki value 10,000 × ₹0.01 = ₹100 direct cash credit banti hai.
Zaroori Terms aur Spend Conditions jo Dhyaan Mein Rakhein
- Schedule of Charges & MITC: slice credit card MITC ke official schedule of charges ko review karein:
| Charge Component | MITC Specification | Condition / Rule |
|---|---|---|
| Joining & Annual Membership Fee | ₹0 under current MITC | Spend waiver hurdle nahi; expiry par renewal fee lag sakti hai. |
| Finance Charges (APR) | 3.5% per month (42% p.a.) | Full outstanding pay na karne par transaction date se charges lagte hain. |
| Interest-Free Period | 14 to 46 days | Statement cycle par depend; previous dues full pay karna zaroori hai. |
| Bank Transfer Fee | 2.5% (Minimum ₹25) | Credit limit se external bank account transfer par lagti hai. |
| Foreign Currency / DCC Markup | ₹0 bank markup | International spends par network conversion rates apply ho sakte hain. |
| Late Payment Fee | ₹0 to ₹1,300 (Tiered) | Total due par depend; maximum ₹1,300 fee ₹50,000 se upar dues par lagti hai. |
| Card Replacement Fee | ₹0 | Active MITC schedule me zero listed hai. |
- Excluded Spend Categories: Fuel, rent, insurance, education, wallet load, taxes, government services, international transactions aur cash withdrawals par 0% monies accrue hote hain.
- Lounge Privileges: Card me 0 complimentary domestic ya international airport lounge visits included hain.
Yeh Card Kiske Liye Best Hai
slice credit card college students, young professionals aur digital users ke liye ideal hai jo ek transparent ₹0 annual fee RuPay card chahte hain jisme seamless UPI QR payments aur 1% se 2% (savings balance ke sath 3% tak) cash rewards milein. Cardholders ko confirm karna chahiye ki unke regular spends eligible categories me hain aur 42% APR interest charges se bachne ke liye statement dues time par pay karein.
- https://slice.bank.in/cc-mitc
- slice small finance bank ltd. — slice credit card official schedule of charges and MITC
- slice small finance bank ltd. — current slice credit card MITC, monies accrual aur redemption terms
Independent Editorial & Legal Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra ek independent credit card discovery platform hai. CredSutra koi Bank, NBFC ya Direct Selling Agent (DSA) nahi hai.