Slice UPI Credit Card & Bank App — A Complete Guide for Indian Android Users (2026)

Slice UPI Credit Card & Bank App

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.

1. 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.

2. 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.

3. 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.

4. How to Use Slice UPI Credit on Android

Here’s how to get started once you download the Slice app:

Step-by-Step Guide

  1. Install from Google Play Store
    Search “Slice: UPI Credit Card & Bank” and install.

  2. Sign Up & Complete KYC
    Enter your phone number, verify OTP, and complete KYC using Aadhaar or documents.

  3. Activate UPI & Credit Line
    Set your UPI handle and link your credit line with the app.

  4. Pay with UPI Like Normal
    Open UPI, choose your Slice credit method, and scan a QR code.

  5. Track Rewards & Bills
    View your cashback and transactions inside the app.

5. Real-World Use Cases (Android-Friendly)

🎯 Everyday Expenses

Pay for groceries, street food, fuel, or movie tickets directly through UPI using your Slice credit — no bank balance needed.

📱 Online Purchases

Use the UPI option during checkout with e-commerce and bill-pay apps — your Slice credit pays instantly.

🏠 Emergency Cash Flow

Your credit line can help when your savings account balance is low, but you still need to complete a payment.

🛒 Shopping Big Purchases

Split pricey buys into three interest-free EMIs — a common need for festival shopping or electronics.

6. Security & Important Considerations

While Slice offers convenience, Android users should stay mindful of security:

🔐 App & UPI Security

  • Always safeguard your OTP, UPI PIN, and app lock.

  • Never share sensitive details; treat UPI credentials carefully.

⚠️ Community Feedback & Risks

Some users online have reported concerns about how resets or PIN resets work in the Slice ecosystem and possible vulnerabilities if a device is compromised. Always use device-level protection and enable app locks.

⚠️ Regulatory & Service Issues

A few Android users have reported occasional problems such as UPI decline on certain transactions or transfer limits — though these are not universal. Always check current status before relying on any financial app.

7. Slice Small Finance Bank — Beyond Payments

Thanks to its merger with North East Small Finance Bank, Slice isn’t just a fintech app anymore — it’s tied to a licensed bank offering full banking features:

🏦 Savings Accounts

  • Zero-balance accounts with competitive interest.

  • Daily interest credited automatically.

📈 Fixed Deposits

Earn higher FD rates with flexible term options — all digital.

💸 Personal Loans

Apply for quick loans directly inside the app.

🏧 UPI-First Branch & ATM

Slice opened India’s first UPI-powered bank branch and UPI ATM in Bengaluru — a new kind of self-service banking experience.

These features expand Slice from just payments to a complete digital banking partner for Android users.

8. Pros & Cons (Quick Summary)

👍 Pros

✔ UPI payments with credit
✔ No joining or annual fee
✔ Cashback and rewards
✔ Interest-free EMIs
✔ All-in-one app for credit + banking
✔ Works smoothly on Android

👎 Cons / Cautions

⚠ App security & resets need caution
⚠ Some users report transaction declines or banking issues
⚠ UPI-linked financial products are still evolving

9. Final Verdict — Is It Worth It for You?

If you’re an Android user who:

  • loves UPI convenience,

  • wants credit-backed payments without traditional cards,

  • wants cashback on everyday spends,

  • and prefers fully digital banking,

…then Slice UPI Credit Card & Bank App is one of the most exciting options in India today. Its combination of UPI simplicity, credit flexibility, and broader digital banking features make it a unique newcomer in the Indian fintech space.

However, always:
✔ Read the latest terms in the app,
✔ Use strong security,
✔ Monitor transactions regularly.

💡 Tip: Compare Slice with other UPI and credit products (like Google Pay Flex or Paytm Postpaid) to choose what fits your spending style best — because financial habits are personal, and the best product aligns with how you pay and manage money daily.

Slice UPI Credit Card & Bank App