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▾Slice Borrow Credit Card Review
Best for: Young professionals and students with salary proof who want a Uni-style BNPL card with flexible EMI terms.
- Lifetime free
- 2% cashback on all spends
- Flexi-EMI conversion on any transaction (3/6/12 months at 1.5-2.5%/month)
- Instant app-based issuance
- Real-time limit controls
- Builds CIBIL
- NBFC-issued — acceptance varies
- EMI interest if not paid in full
- No lounge
- Forex 3.5%
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹0 (LTF) |
| Renewal fee | ₹0 (LTF) |
| Finance charge | 1.5-2.5% p.m. on EMI |
| Cash advance fee | 2.5% (min ₹500) |
| Forex markup | 3.5% |
| Late payment fee | Up to ₹1,300 |
Rewards structure
2% flat cashback on all spends (uncapped). Every transaction optionally convertible to 3/6/12-month EMI at the user's choice. Cashback credits to wallet monthly.
Key benefits
- 2% flat cashback uncapped
- Flexi-EMI on any transaction (user-initiated)
- Lifetime free
- CIBIL reporting
- App-based full management
- Instant issuance post verification
Who the Slice Borrow is for
Gen-Z salaried with ₹20K+ monthly income who want a secondary card for flexibility. Works alongside a primary bank-issued card.
Final verdict
Solid BNPL-style card. 2% flat cashback is competitive. Direct rival to Uni Pay 1/3rd — Slice's EMI flexibility (pick 3/6/12) vs Uni's auto-split 3-month.
FAQ
How is Slice different from Uni?
Slice gives user control over EMI tenure (3/6/12 months, interest-bearing). Uni auto-splits everything into 3 months at 0% (simpler, more rigid).
Is Slice regulated by RBI?
Slice partners with NBFCs regulated by RBI. After 2022 RBI guidelines, the product is compliant as a credit card structure.
Do I need CIBIL 750+ to get Slice?
600+ is typically sufficient. Slice approves thinner credit files too (student profiles, first-jobbers).
Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.