Slice and Uni cards have been gaining popularity in the market, more so among Millennials. While both are not traditional credit cards, they provide a similar experience. They are both ‘Buy Now Pay Later’ cards that work off a loan account credit line from a financing partner. In this post, we compare Slice and Uni cards with their rewards and benefits.
What you should know before getting a Slice or Uni card?
- These are BNPL cards. So, you will see a loan account entry in your CIBIL report. The entry will not be from Slice/Uni but from the financing partner that they have tied up with.
- Read the privacy policy and loan agreement thoroughly.
- If opting to close the card, get a No Dues from both Slice/Uni and the financing partner who issued the loan.
- These cards are offered even if you do not have a credit score. If you already have a credit score, there are many good credit cards that offer great rewards.
- BNPL cards do not offer the same kind of chargeback protection offered by traditional credit cards. So, if you have an unauthorized transaction it will be a long process getting it sorted out.
- Slice and Uni cards cannot be used for loading wallets like Paytm/Mobikwik.
Slice vs Uni – How They Compare
| Slice Super Card | Uni Pay 1/3 Card | |
|---|---|---|
| Joining Fee | NIL | NIL |
| Annual Fee | NIL | NIL |
| Cashback | 1%-2% | 1% |
| No Cost 3 Month EMI | Available | Available |
| Additional Savings Offers | Slice Sparks | Not Available |
- Both Slice and Uni are Lifetime Free (LTF). No joining and annual charges.
- Slice offers better rewards than Uni. We can get up to 2% cashback on Slice plus additional savings with Slice Sparks.
Slice vs Uni – Customer Support
I had signed up for a Uni Pay 1/3rd card. I had contacted customer care a couple of times and had got good support. So, my personal experience with Uni has been good.
But Slice has mixed reviews when it comes to customer support.
Final Thoughts
The first suggestion would be to avoid getting any of the BNPL cards. But, if you still want to go for one then I would suggest the Uni card. That one has good customer support for when we need it.
If you can work around the support issues, Slice is a far more rewarding card than Uni. Slice Sparks offers on Amazon, Flipkart, etc. can provide good savings like what we get on credit cards.
3 thoughts on “Slice vs Uni Cards”
Slice is worst when it comes to customer service. they take time to reply as short as minimum 48 hours, Evn if you approach them for a solution, forget it that you will get solution.
Don’t go for Slice Card as there is no proper Customer care which is a crucial one and they lack immediate response on refund kind of things, and they just decrease your credit limit without even informing you and after activating this account it will reflect as 2 Loan Accounts in your Cibil Score and it effects your CIBIL Score very badly, and if you wish to close this account, you should get 2 NOC’s from them, for which they take months of time , so it means even if you close the Account this month the Slice Loan Accounts will reflect on your PAN. So I Won’t suggest you this card at all.
Slice is no more a No Cost 3 Month EMI Card.
and they Changed their policy without any prior information and notification to their users.
really disappointed with it