slice Small Finance Bank · RuPay
Super Card
Joining ₹0 · Annual ₹0 · Lifetime free
Earns Monies. 1 Monie is earned per ₹1 spent and redeemed in the slice app. What a Monie is worth depends on the balance you hold when you cash out: 1 paisa under 3 lakh Monies, 1.5 paise past 3 lakh, 2 paise past 5 lakh. So the honest return is not a single number, it is whatever tier your own spending carries you to, and it drops back if you redeem and shrink the balance.
Verified 7 Aug 2026Return by category
| Category | Return | Notes |
|---|---|---|
| Online spend | 1% | Base rate |
| Amazon | 1% | Base rate |
| Flipkart | 1% | Base rate |
| Subscriptions & OTT | 1% | Base rate |
| Offline spend | 1% | Base rate |
| UPI spending | 1% | Full credit-on-UPI, scan and pay from the credit line on any UPI app. UPI spend counts toward the tier ladder just like a card swipe, which is what makes this card worth watching if most of your spending goes out by QR code. |
| Dining | 1% | Base rate |
| Swiggy | 1% | Base rate |
| Zomato | 1% | Base rate |
| Groceries | 1% | Base rate |
| Quick commerce | 1% | Base rate |
| Swiggy Instamart | 1% | Base rate |
| Blinkit | 1% | Base rate |
| BigBasket | 1% | Base rate |
| Movies & shows | 1% | Base rate |
| BookMyShow | 1% | Base rate |
| PVR INOX | 1% | Base rate |
| Fuel | 0% | No Monies, plus a 2% fuel fee (min ₹10) above ₹25,000/cycle |
| Travel (general) | 1% | Base rate |
| Flights | 1% | Base rate |
| Hotels | 1% | Base rate |
| MakeMyTrip | 1% | Base rate |
| IRCTC rail | 1% | Base rate |
| International | 1% | Base 1% with ZERO forex markup. Rare net-positive forex card, though RuPay acceptance abroad is limited |
| Utilities & bills | 1% | Base rate |
| Rent | 0% | No Monies, plus a 1% rent fee (min ₹10) above ₹10,000/cycle |
| Education fees | 0% | No Monies on education fees |
| Insurance premiums | 0% | No Monies on insurance |
| Government & tax | 0% | Tax/government payments earn nothing |
| Wallet loads | 0% | Wallet loads earn nothing |
| Anything else | 1% | Base rate |
| Jewellery | 1% | Base rate |
Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.
What you earn depends on what you hold
Every ₹1 you spend gives you 1 Monie, so your Monies balance is simply everything you have put through the card and not yet cashed out. What changes with the size of that balance is what each Monie is worth when you redeem it. Under 3 lakh Monies each one pays 1 paisa, which is the 1% everyone quotes. Past 3 lakh they pay 1.5 paise, and past 5 lakh 2 paise. The rate is decided at the moment you redeem, not when you earn, so the same spending is worth 1% or 2% depending purely on how long you left it alone.
- 1% while your balance is under ₹3,00,000
- 1.5% once your balance passes ₹3,00,000
- 2% once your balance passes ₹5,00,000
- 3% needs 5 lakh of Monies collected plus an average quarterly balance of 5 lakh in slice savings, so spending alone will not get you here
Redeeming early is the mistake to avoid. Cash out at a 1.8 lakh balance and you lock those Monies in at 1%. Leave them until the balance passes 5 lakh and the very same Monies pay 2%, which is double the money for doing nothing but waiting. Redeeming also pulls your balance back down, so it can drop you to a lower rate for everything still sitting there.
Because the step depends only on the balance you build, the site can work out which one you would reach. Add your monthly spends in My wallet and this card gets ranked there everywhere it earns.
Also worth knowing
- Worth understanding before you redeem anything: Monies accrue 1 per ₹1 spent, and the payout rate is set by the balance you are holding at the moment you cash out. Three people spending ₹15,000, ₹10,000 and ₹5,000 a month for three years end up with 2%, 1.5% and 1% on everything they spent, purely because of the balance they had built.
- Zero forex markup on international spends (effective Mar 2026)
- 'slice in 3': split any spend into 3 interest-free monthly instalments at no cost
- Full UPI credit card. Scan & pay on any UPI app from the credit line
- Weekly 'slice spark' brand deals give boosted cashback on select merchants
- Unredeemed Monies are forfeited on voluntary closure or 1 year of inactivity
Other exclusions
- EMI transactions earn nothing
- Online gaming earns nothing
Sources
Every figure above comes from the issuer's own pages and documents. Last verified 7 Aug 2026.