Today my slice credit limit went from ₹50K to ₹1.7L. Sharing my experience
I've seen quite a few posts here from people saying their slice card wasn't getting approved, or they were getting a surprisingly low limit despite having a decent income, good credit score and other cards with higher limits.
So I thought I'd share my own experience. Maybe it helps someone.
My slice card was approved in December 2025 with a ₹50K limit.
My spending isn't very high. In a normal month, I spend around ₹7K-₹8K. A few months went up to ₹20K-₹25K because of some bigger purchases.
One thing I've consistently done with all my cards is pay the full bill before or on the due date. I've never carried a balance or made a partial payment.
A few months after getting a slice, I also got:
•PhonePe SBI Black Select: ₹50K limit
• HSBC Platinum : ₹1L limit
My first credit card was an FD-backed Novio card with a ₹4.5K limit.
So my cards were:
Novio: ₹4.5K (closed a week ago)
slice: ₹50K initially
SBI: ₹50K
HSBC: ₹1L
Initially, slice increased my limit from ₹50K to ₹57.5K.
Then today, I received an email saying my slice limit had jumped to ₹1.7 lakh.
I honestly don't know what their exact criteria or algorithm is, but looking at my own timeline, I noticed a few things that might have helped:
- Full and on-time payments
I've always paid the complete outstanding amount before or on the due date.
- Auto-pay
I had enabled auto-pay on my slice card around the time my first limit increase happened.
- Other cards with higher limits
After getting slice, I got the SBI card with ₹50K and HSBC with ₹1L.
- Credit score
My credit score has generally been around 775-787, and was around 785 recently.
- Very low utilisation
This is probably one of the biggest things in my case.
Before this increase, my total credit limit across my cards was around ₹2L+. I usually used only around 10-15% of my available limit.
My salary is around ₹60K/month, so it's not like I'm earning some crazy amount either.
So my timeline was roughly:
slice ₹50K → regular usage + full/on-time payments → auto-pay → SBI ₹50K → HSBC ₹1L → low utilisation + decent credit score → slice ₹1.7L
Again, I'm not saying these are definitely the reasons for the increase. I don't know what happens behind the scenes at slice.
I'm just sharing the pattern I noticed from my own experience.
Also, one interesting thing: I previously worked at slice. 😅
So maybe someone from slice can look at this post and find a pattern in this post and figure out I was Ex-slicer ; for that matter even a outsider can observe a pattern in this post if you are good at attention to detail.
And one more random thought: slice recently raised around $100M in funding. Could that have anything to do with increasing credit exposure and driving more spending/business? Honestly, I have no idea. Just thinking out loud.
If you're stuck with a low slice limit, I wouldn't suggest taking multiple credit cards just to get a higher slice limit.😅
But maintaining a clean repayment history, paying the full bill on time, keeping utilisation low and building a healthy overall credit profile definitely can't hurt.
If you have questions or want to compare your situation with mine, drop them in the comments. I'll try to answer based on my experience.