HDFC MoneyBack vs Slice
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Slice Credit Card wins 4 of 8 dimensions with a CardTrail Score of 6.5/10 vs 6.1/10.
| Feature | HDFC MoneyBack | Slice |
|---|---|---|
| CardTrail Score | 6.1/10 | 6.5/10 |
| Annual Fee | ₹500 | Free |
| Base Reward Rate | 0.25% | 1% |
| Max Reward Rate | 2% | 2% |
| Forex Markup | 3.5% | Zero |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose HDFC MoneyBack
- You can meet the fee waiver condition: Spend ₹50,000 or more in a year before renewal date to get renewal fee waived
- Your primary spend is: cashback, beginners
When to Choose Slice
- You want a lifetime free card with zero annual cost
- You travel internationally — saves ₹3,500/year on ₹1L forex spend
- Your primary spend is: cashback, beginners
Forex Cost Comparison
On ₹1,00,000 annual international spending: HDFC MoneyBack costs ₹4,130 in forex fees vs Slice at ₹0. You save ₹4,130/year with Slice.
Annual Fee Value Analysis
To break even on HDFC MoneyBack's ₹500 fee at 0.25% rewards, spend ₹16,667/month.
Slice is lifetime free — no break-even needed.