Help me get my 1st slice credit card ihve the savings account there they saying use savings account to get credit eligibility Tell me what should I do to get the card
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Slice credit card how to apply using savings account eligibility 2025 2026
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Slice India credit card apply savings account NEFB 2026 steps
Here's a clear step-by-step guide to get your Slice UPI Credit Card using your existing Slice Savings Account:
How to Get Your Slice Credit Card (Using Your Savings Account)
Since you already have a Slice Savings Account, you are in an advantageous position. Slice (now Slice Small Finance Bank) uses your savings account activity and balance to assess credit eligibility - this works like a secured/linked credit card, meaning your savings balance helps establish your creditworthiness even if you have no prior credit history.
Step-by-Step Process
Step 1 - Open the Slice App
- Download it from Google Play Store or Apple App Store if you haven't already, or open the existing app where your savings account is linked.
Step 2 - Look for the Credit Card / UPI Credit Card option
- Inside the app, navigate to the "Cards" or "Credit" section on the home screen or the bottom navigation bar.
- You should see a prompt like "Get your Slice card" or "Unlock credit".
Step 3 - Verify your eligibility using your Savings Account
- The app will check your savings account balance and transaction history to assign a credit limit.
- You may be asked to maintain a minimum balance or link your savings balance as collateral for the credit limit. This is Slice's way of giving credit to users with no or thin credit history.
Step 4 - Complete KYC (if not already done)
- Provide your PAN card number
- Provide your Aadhaar number for e-KYC verification
- Allow the app permissions (camera for selfie/KYC, SMS for income verification)
Step 5 - Accept the Credit Limit Offer
- Slice will show you an approved credit limit (can range from ₹2,000 to ₹10,00,000 depending on your profile).
- Review and accept the offer.
Step 6 - Get your Virtual Card instantly
- A virtual Visa card is activated immediately for online shopping and UPI payments.
- You can use it on UPI apps too (it works as a UPI-linked credit card).
Step 7 - Receive Physical Card
- The physical card is mailed to your registered address within 5-7 working days.
Things to Keep in Mind
| Point | Detail |
|---|---|
| Joining Fee | Nil - completely free |
| Annual Fee | Nil - lifetime free |
| Cashback | Up to 3% on UPI spends, 2% on all other spends |
| Late Payment | ₹50/day if you miss the due date - avoid this |
| Interest Rate | Up to 36% per annum if you carry a balance - always pay in full |
| Credit Limit | Based on your savings account balance and activity |
If You're Not Getting the Option in the App
- Make sure your savings account KYC is fully complete (not partial).
- Keep some balance in your savings account - a higher balance signals better eligibility.
- Do a few transactions through the account to show activity.
- Contact Slice support directly via the app's Help / Chat option and tell them you want to upgrade to the credit card using your savings account.
Quick Tips for Approval
- Keep your savings account active - make at least a few transactions per month.
- Maintain a reasonable balance - even ₹5,000-10,000 helps.
- Don't apply repeatedly - one application is enough; wait for their decision.
- If rejected initially, build 1-2 months of account activity and try again.
The whole process is 100% digital and usually takes less than 10 minutes. Good luck!
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They saying
The screen says "We can't approve you now" and is directing you to use the Slice Savings account to build credit eligibility first.
This is actually a clear path - here's exactly what to do:
What This Screen Means
Slice has not rejected you permanently. They're saying your credit profile isn't strong enough yet, but you can build it using their savings account - then reapply.
What To Do Right Now
Step 1 - Tap "Try Savings"
- Tap that pink "Try savings" button on the screen
- Open a Slice Savings Account (if you don't have one already) or top it up (if you do)
Step 2 - Deposit Money into the Savings Account
- Add money to your Slice savings account
- The more you deposit and keep, the faster your credit eligibility builds
- Even ₹5,000-₹10,000 is a good start; ₹20,000+ will speed things up more
Step 3 - Keep the Account Active for 1-3 Months
This is the waiting period. During this time:
- ✅ Keep a consistent balance (don't deposit and immediately withdraw)
- ✅ Make regular small transactions through the account (UPI payments, etc.)
- ✅ Let your money sit and grow (they offer interest daily, linked to RBI repo rate ~5.25% p.a.)
- ❌ Don't apply for the credit card again immediately - wait for them to prompt you
Step 4 - Wait for Slice to Notify You
- Slice will send you a notification or in-app prompt when you become eligible
- You can also check the Credit Card section in the app periodically (every 3-4 weeks)
Step 5 - Reapply When Prompted
- Once eligible, the "Try savings" screen will change to an approval screen
- Complete it in minutes with PAN + Aadhaar
Timeline Expectation
| Activity | Approximate Wait |
|---|---|
| Deposit ₹5,000-₹10,000 and stay active | 1-2 months |
| Deposit ₹20,000+ and stay active | 2-4 weeks |
| No deposit, just opened account | May not unlock at all |
Key Point
Slice is essentially offering you a savings-backed credit card path. The money in your savings account acts as a signal of financial discipline. You don't lose that money - it keeps earning interest while you wait. Once the credit card is approved, your savings remain yours separately.
Bottom line: Tap "Try savings", deposit some money, keep it active for 4-8 weeks, and reapply.
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