IDFC FIRST Bank FIRST Wealth vs slice UPI Credit Card
A field-by-field comparison of fees, reward rates, accelerated categories, caps, exclusions, lounge access and forex markup, using each issuer's own published terms. Affiliate payout never decides the verdict.
Short answer
IDFC FIRST Bank FIRST Wealth and slice UPI Credit Card differ first on recurring cost: IDFC FIRST Bank FIRST Wealth has an annual fee of ₹0 against ₹0 for slice UPI Credit Card, so holding cost is identical. On rewards, IDFC FIRST Bank FIRST Wealth earns 3 Reward Points per ₹200 on eligible spend (0.375% at ₹0.25/point) while slice UPI Credit Card earns 1% cash value at the entry redemption slab on eligible domestic spends. slice UPI Credit Card has the lower forex markup at 0%. Neither card wins outright: the better choice depends on which accelerated categories match your spend, the monthly caps, the exclusions and issuer approval fit.
Source: CardMasters issuer-evidence catalogue, release 2026-08-01. Confirm final terms with the issuer.
| Feature | IDFC FIRST Bank FIRST Wealth | slice UPI Credit Card |
|---|---|---|
| Issuer | IDFC FIRST Bank | Slice Small Finance Bank |
| Joining fee | ₹0 | ₹0 |
| Annual fee | ₹0 | ₹0 |
| Fee waiver | No waiver recorded | No waiver recorded |
| Base rewards | 3 Reward Points per ₹200 on eligible spend (0.375% at ₹0.25/point) | 1% cash value at the entry redemption slab on eligible domestic spends |
| Accelerated routes | dining, travel, international and birthday spends | None recorded |
| Reward exclusions | fuel, emi, cash advance, fees, loan on card, balance transfer | fuel, rent, wallet load, insurance, emi, education, government, gaming, international, agriculture, cash advance, financial institutions |
| Forex markup | 1.5% | 0% |
| Domestic lounge | 1/quarter after ₹20K spend in the previous calendar month | none |
| International lounge | 1/quarter after ₹20K spend in the previous calendar month | none |
| Card networks | Visa Infinite | RuPay |
| Best suited to | lifetime free, low forex, premium on budget | upi credit |
| Issuer evidence | Checked 2026-08-01 | Checked 2026-07-26 |
Frequently asked questions
Is the IDFC FIRST Bank FIRST Wealth better than the slice UPI Credit Card?
Neither is universally better. IDFC FIRST Bank FIRST Wealth charges ₹0 a year and earns 3 Reward Points per ₹200 on eligible spend (0.375% at ₹0.25/point); slice UPI Credit Card charges ₹0 and earns 1% cash value at the entry redemption slab on eligible domestic spends. The better card is the one whose accelerated categories, caps and exclusions match your actual spending, after subtracting the annual fee and GST.
Which of the two has the lower annual fee, IDFC FIRST Bank FIRST Wealth or slice UPI Credit Card?
Both cards carry the same recorded annual fee of ₹0, so the decision rests on rewards, caps and exclusions rather than holding cost.
Which is better for international spending, IDFC FIRST Bank FIRST Wealth or slice UPI Credit Card?
slice UPI Credit Card publishes the lower forex markup at 0% versus 1.5%. Also confirm whether international transactions earn rewards, since some issuers exclude them.
Can I hold both cards together?
Yes, provided each is approved on its own merits and you can pay both statements in full. Holding both makes sense only when their accelerated categories do not overlap; otherwise the second card adds an annual fee without adding rewards.