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Slice Super Card VS Union Uni Carbon Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 3 May 2026

Union Uni Carbon Credit Card and Slice Super Card target different spending habits, so the better fit depends on where your money actually goes. Union Uni Carbon Credit Card costs ₹499 + GST and earns up to 6.5% savings on HPCL fuel via HP Pay App; 4% cashback on HPCL fuel; 0.5% on other spends. Slice Super Card is lifetime-free and earns up to 3% cashback on every transaction. Union Uni Carbon Credit Card also brings up to ₹300 credit on fuel purchase of ₹300+ at HPCL outlets within 60 days of card activation. If fuel spending matters more, go with Union Uni Carbon Credit Card; if shopping is the priority, Slice Super Card fits better.

Slice Super Card
Slice Super Card
Union Uni Carbon Credit Card
Union Uni Carbon Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹499 + GST
Renewal FeeLifetime Free
Renewal Fee₹499 + GST
Spend Based Waiver
Spend Based WaiverAnnual fee waived on annual spending of ₹1,00,000 or above in the previous year.
Foreign Transaction FeesZero foreign currency markup
Foreign Transaction Fees3%
Interest Rate (APR)3.5% monthly
Interest Rate (APR)2.95% per month / 41.75% per annum

Rewards & Benefits

Welcome Bonus
Welcome BonusUp to ₹300 credit on fuel purchase of ₹300+ at HPCL outlets within 60 days of card activation.
Rewards RateUp to 3% cashback on every transaction.
Rewards RateUp to 6.5% savings on HPCL fuel via HP Pay App; 4% cashback on HPCL fuel; 0.5% on other spends.
Reward TypeCashback
Reward TypeReward Points, Cashback
Reward Redemption Fee
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver
Fuel Surcharge Waiver1% waiver on transactions ≥ ₹200 at HPCL, capped at ₹100 per billing cycle.

Security & Other

Insurance Benefits
Insurance BenefitsAir accidental cover up to ₹10 lakhs.
Cash Advance Charges2.5% of transaction amount or ₹25, whichever is higher.
Cash Advance Charges3% or ₹200, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Slice Super Card

Union Uni Carbon Credit Card

Who is it for?

The Slice UPI Credit Card is an ideal entry-level option for young users and those new to credit, offering a simplified credit experience. It stands out with the convenience of UPI payments directly from a credit card, zero joining and renewal fees, and up to 3% cashback on all spends. Additionally, it features zero foreign currency markup, making international transactions economical. This card is perfect for building credit while enjoying flexible payment options and daily savings.

Who is it for?

The Union UNI-CARBON Credit Card, issued by Union Bank of India on the RuPay network, is a co-branded fuel card designed for individuals seeking significant savings on fuel purchases, particularly at HPCL outlets. Its primary appeal lies in offering up to 6.5% savings on HPCL fuel transactions via the HP Pay App, a 4% cashback on general HPCL fuel spends, and a waiver of its annual fee upon reaching a spend threshold. The card also integrates with UPI for convenient merchant payments and provides milestone rewards for higher annual spending. This card is value-positive for individuals with high fuel consumption, especially at HPCL stations, making it a compelling choice for its target audience.

Pros

Key benefits and features.

Lifetime free credit card with no joining or annual fees.

Enjoy up to 3% cashback on every purchase, maximizing savings on daily spends.

Provides zero foreign exchange charges, saving money on international transactions.

Allows splitting purchases into 3 interest-free monthly installments.

Seamlessly make UPI payments directly from your credit card, enhancing daily transaction convenience.

Pros

Key benefits and features.

High savings on fuel, especially at HPCL outlets (up to 6.5% via HP Pay App).

Dedicated 4% cashback on HPCL fuel transactions, maximizing fuel savings.

Annual fee waiver on a reasonable spend threshold of ₹1,00,000 annually.

RuPay network enables UPI linkage for convenient merchant payments.

Milestone rewards provide additional value for higher annual spending.

Cons

Key drawbacks and limitations.

Lacks premium benefits such as travel insurance or lounge access, not suited for high-end users.

Limited reward redemption options, as specific redemption methods are not available.

Does not offer a fuel surcharge waiver, leading to extra costs on fuel transactions.

Incurs cash advance charges, making cash withdrawals from the card costly.

Cons

Key drawbacks and limitations.

Limited redemption options, primarily focused on cashback and HP Pay app benefits.

No travel or lifestyle benefits like lounge access, dining, or movies are offered.

High interest rate of 2.95% per month if balances are carried over.

Insurance coverage is lower compared to some premium credit cards.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Union Uni Carbon Credit Card(opens in new tab)