Updated September 28, 2026 · DebitCue Editorial Team
Current Build Card vs ICICI Bank Credit Cards
Current Build Card
Higher score in this comparison
ICICI Bank Credit Cards
Current Build Card vs ICICI Bank Credit Cards: the differences
| Compare | Current Build CardReviewVisitVisit | ICICI Bank Credit CardsReviewVisitVisit |
|---|---|---|
| Annual fee | $0 | ₹3,500 |
| Currency conversion fee | 3%Lower | 3.5% |
| Rewards rate | 1x points per $1 on eligible purchases, redeemable as cash back | 4 points per INR 100 international spend, 2 points per INR 100 domestic spend, 1 point per INR 100 utility and insurance spend |
| Perks | Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit, Fee free overdraft, 40,000 fee free in network ATMs, Savings Pods with annual boosts up to 4.00%, Buy and sell crypto with no trading fees, Cash deposits at 60,000 retail locations, Credit reporting to Equifax, Experian and TransUnion, Teen and custodial accounts | Welcome vouchers worth over INR 13,000 from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, 2 complimentary international and 4 domestic airport lounge visits, Up to 4 complimentary golf rounds per month, 24/7 concierge service (i Assist), Air accident insurance cover up to INR 3 crore, 1% fuel surcharge waiver on fuel transactions up to INR 4,000, BookMyShow movie offers, up to INR 500 off the second ticket |
| Card kind | Charge | Credit |
| APR | 0% | Not confirmed |
| Credit needed | Poor | Not confirmed |
Same on both: Rewards type (Points).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Current Build Card scores higher overall: 9.4 vs 8.9.
- Currency conversion fee is lower at Current Build Card: 3% vs 3.5%.
- Perks: only Current Build Card offers Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit, Fee free overdraft.
- Perks: only ICICI Bank Credit Cards offers Welcome vouchers worth over INR 13,000 from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, 2 complimentary international and 4 domestic airport lounge visits, Up to 4 complimentary golf rounds per month.
- Support channels: only Current Build Card offers Email.
- Support channels: only ICICI Bank Credit Cards offers Phone.
- Features: only Current Build Card offers Secured.
Our verdict on each
Current Build Card
The Current Build Card suits US adults with poor credit who want a secured charge card with an annual fee of $0 and an APR of 0%. Foreign spend is the trade-off, since a currency conversion fee of 3% applies where the Varo Believe Secured Credit Card charges 0%. Overall 5.9.
ICICI Bank Credit Cards
ICICI Bank Credit Cards suit Indian card users who want points on spending, lounge access and welcome vouchers. The annual fee of INR 3,500 is the cost to weigh, set against points earned on international and domestic spend.
Score breakdown
| Area | Current Build Card | ICICI Bank Credit Cards |
|---|---|---|
| Cost | 9.2HigherAnnual fee of $0 and APR of 0% sit at the value end, while a currency conversion fee of 3% lifts the cost abroad. | 8.2Annual fee of INR 3,500 against a credit card median of €0, with 3.5% currency conversion. |
| Offer | 9.7Higher | 9.5 |
| Trust | Not confirmed | 9.1 |
Spending 1,000 abroad
Current Build Card
30
3% of 1,000
ICICI Bank Credit Cards
35
3.5% of 1,000
Current Build Card comes out 5 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Availability and regulation
| Country | Current Build Card | ICICI Bank Credit Cards |
|---|---|---|
| India | Not confirmed | |
| United States | NMLS (Finco Advance LLC) 2670557 NMLS (FinCo Licensing LLC) 2533115 Kansas Office of the State Bank Commissioner EWA.0000025 State of Missouri Division of Finance EWA-25-9579 Utah Division of Consumer Protection 14246805-EWAS | Not confirmed |
Additional countries for Current Build Card: 1. Additional countries for ICICI Bank Credit Cards: 1.
Also worth a look
eToro has currency conversion fee at 0%, against 3% for Current Build Card and 3.5% for ICICI Bank Credit Cards.
eToro reviewWhat we checked
Current Build Card
- current.com: 13 facts, checked September 26, 2026
ICICI Bank Credit Cards
- icici.bank.in: 11 facts, checked September 26, 2026
How they place
| Ranking | Current Build Card | ICICI Bank Credit Cards |
|---|---|---|
| Rewards cards | 1 of 122 | 8 of 122 |
Every fact side by side
| Fact | Current Build Card | ICICI Bank Credit Cards |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Rewards, SecuredCovers more | Rewards |
| Legal entity | Finco Services, Inc. | ICICI Bank Ltd. |
| Headquarters | United States | India |
| Founded | Not confirmed | 1994 |
| Support channels | Email, Chat, Help centre | Phone, Help centre, Chat |
Where each stands against the rest
| Fact | Current Build Card | ICICI Bank Credit Cards | Median |
|---|---|---|---|
| APR | 0%lowest quarter | Not confirmed | 19.39% |
| Currency conversion fee | 3%highest quarter | 3.5%highest quarter | 1% |
Median across 312 listed cards.
Pros and cons
Current Build Card
Pros
- Annual fee of $0 and APR of 0%, which places the card at 1 on annual fee out of 301 and at 1 on APR out of 133
- Opened for poor credit, poor, with a secured structure alongside rewards in rewards and secured
- Fee-free overdraft, a wide in-network ATM allowance and cash deposits at retail locations sit in Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit and Fee free overdraft
Cons
- A currency conversion fee of 3% applies abroad, against 0% on the Varo Believe Secured Credit Card and 0% on the Chime Card
- Support runs on email, chat and help centre, which leaves no phone line for an urgent dispute
- Rewards are points redeemable as cash back, so a reader after a richer scheme gets less from spending here
ICICI Bank Credit Cards
Pros
- Points on international spend at the top rate of the rewards structure, with a lower rate on domestic spend
- Welcome vouchers from Tata CLiQ, EaseMyTrip, Da Milano, Croma and EazyDiner, plus complimentary lounge and golf visits
- Air accident insurance cover, a fuel surcharge waiver and BookMyShow movie offers bundled with the card
Cons
- The annual fee of INR 3,500 applies even before spending on perks such as lounge visits and vouchers
- A currency conversion fee of 3.5% sits above the credit card median of 1.85%
- The card sits well down the annual fee ranking at 269 of 301
Who each suits
Current Build Card
Who it suits
- Adults in the US with poor credit who are turned down elsewhere, since the card is aimed at poor credit
- US residents paid by direct deposit who can use the early paycheck and savings features in Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit and Fee free overdraft
- Households wanting a single account covering a card, a savings pot and a teen account under the same provider
Who should look elsewhere
- Anyone spending heavily abroad, because the 3% conversion charge applies where the Varo Believe Secured Credit Card charges 0%
- Card users who want to talk to someone on the phone, since help runs on email, chat and help centre only
- People who want miles or a transferable points scheme, as this card pays points redeemable as cash back
ICICI Bank Credit Cards
Who it suits
- Indian residents who want rewards points on everyday and overseas spending
- People who use lounge visits, fuel spend and movie offers often enough to offset the fee
- Card users who want insurance cover attached to the card rather than bought separately
Who should look elsewhere
- Oney Préstamos ES, where the annual fee is €10 and no foreign spend surcharge is listed
- Amwal, where the annual fee is SAR 0
- National Bank of Kuwait Cards, where the annual fee is KWD 30 for a classic credit card
Current offers
ICICI Bank Credit Cards
Current offer
Bonus
Sapphiro Credit Card welcome vouchers: Vouchers worth over INR 13,000
Upon payment of the joining fee of INR 6,500 + GST; vouchers worth INR 3,000 from Tata CLiQ, INR 4,000 from EaseMyTrip, INR 5,000 from Da Milano, INR 1,500 from Croma and an EazyDiner Prime Membership worth INR 1,095; issued within 45 business days
Source, checked September 26, 2026
Discount code
BookMyShow buy one get one movie offer on Sapphiro Credit Card: Up to INR 500 off the second ticket
From Apr 1, 2026 requires spending INR 25,000 or more on the Sapphiro Credit Card in the preceding spends quarter; one movie offer per month per card variant for dual-network cards
Source, checked September 26, 2026
Bonus
Sapphiro Credit Card milestone reward points: 4,000 reward points on INR 4 lakh annual spend, plus 2,000 points per additional INR 1 lakh, up to 20,000 points
Awarded in an anniversary year on qualifying annual spend
Source, checked September 26, 2026
Country by country
| Country | Current Build Card | ICICI Bank Credit Cards |
|---|---|---|
| India | No | Yes |
| United States | Yes | No |
Questions about each
Current Build Card
Is there an annual fee on the Current Build Card?+
The annual fee is $0, so the card costs nothing to keep open. That puts it at 1 on this measure out of 301 brands, and at the €0 site median. A reader who worries only about holding a card open finds nothing to pay here.
Will I pay interest on a balance?+
The APR is 0%, so a balance carried does not grow through interest on this card. It ranks at 1 on APR out of 133 brands, and the site median APR is 20.97%. The card is listed as a charge card in charge terms, so payment terms still matter even without interest.
ICICI Bank Credit Cards
What does the ICICI Bank card cost to keep?+
The annual fee is INR 3,500. That fee buys the rewards points, the welcome vouchers from Tata CLiQ and other partners, the lounge and golf visits, and the air accident insurance cover, so it pays back only if those are used.
How much does it cost to spend abroad on this card?+
Currency conversion runs at 3.5%, which is above the credit card median of 1.85%. International spend does earn the highest points rate in the rewards structure, but the conversion fee still applies on top.
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