In India’s fast-moving digital economy, innovations like UPI have transformed the way we pay, spend, and manage money. But until recently, UPI was mostly about using bank account balances for instant payments. What if you could use credit directly over UPI — without carrying a traditional card or paying extra fees? That’s where Slice’s UPI Credit Card and its Slice Bank App come into play. These products aim to combine the simplicity of UPI payments with the flexibility of credit, plus other digital banking features — all within a smartphone app.
This guide explains everything an Indian Android user needs to know — from setup and features to benefits, security, challenges, and real-world use cases.
- What Exactly Is the Slice UPI Credit Card? The Slice UPI Credit Card (officially called the slice super card in some places) is a credit line that works directly through UPI — India’s most widely used instant payment system. Instead of linking only a bank account to UPI, you link your credit limit and make payments using UPI scan-and-pay or online checkout — just like a normal UPI payment.
Think of it like this:
✔ You have a UPI handle (like with any bank account), but you pay using a credit line instead of your savings.
✔ You spend with credit without carrying a physical card at the time of payment — and it feels like a regular UPI transaction.
Key Features at a Glance
No joining fee, no annual fee, no renewal charges.
Cashback on every transaction — typically up to 3% on UPI payments and QR spends.
“Slice in 3” interest-free EMIs — split eligible purchases into three monthly installments without extra charges.
Works like a credit card over UPI: Scan to pay in shops, split bills, or pay online with the credit line.
This fusion of credit card features and UPI ease makes it appealing for millennials, Gen Z, and everyday users — especially those who prefer mobile-first finance.
- How the Slice App Works (Android Focus) For Indian Android users, the Slice app is the central hub — you download it from the Google Play Store and do everything in one place:
✔ Account Opening & Setup
Sign up using your mobile number and Aadhaar — the process is fully digital.
Verify your identity using OTP and KYC, directly in the app.
Once approved, you’ll get your UPI handle and access to the Slice credit line.
✔ UPI & Credit Linked Services
Pay at any UPI-enabled merchant by scanning QR codes.
Send and receive money from contacts and merchants.
Use credit for payments even if your bank balance is low.
Track your spends and rewards in real time.
✔ Rewards, Bills, Track Spending
Slice’s rewards ecosystem lets you earn on everyday spends.
The app shows your transactions, cashback earned, slice-in-3 options, and billing in one place.
✔ Fully Digital Banking
Thanks to its merger with North East Small Finance Bank, Slice now offers more traditional banking features like savings accounts with interest, FDs, and loans — all digital and accessible within the app ecosystem.
- Benefits of the Slice UPI Credit Card & App Let’s break down why many Android users in India are considering Slice:
🔹 Seamless UPI Payments with Credit
Instead of linking only a bank account, Slice allows you to spend using a credit line directly through UPI payments — essentially turning credit into everyday UPI transactions.
🔹 Zero Fees
There are no joining, annual, or hidden fees — a great advantage compared to many traditional credit cards that carry yearly charges.
🔹 Cashback & Rewards
Users can earn up to 3% cashback on transactions. These rewards are credited back into your Slice account, helping you save more on micro spends like shopping, food, or travel.
🔹 “Slice in 3” Interest-Free EMIs
Instead of waiting for the monthly bill, you can split eligible expenses into three interest-free parts — a huge win for planning larger purchases without paying extra interest.
🔹 All-in-One Digital Banking
With Slice now operating as a full bank after merging with North East Small Finance Bank, users can enjoy savings accounts, FDs, loans, and UPI — all in one app. READ MORE
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