Updated October 18, 2026 · DebitCue Editorial Team
Current vs Scapia
Current
Higher score in this comparison
Scapia
Where Current and Scapia differ
| Compare | CurrentReviewVisitVisit | ScapiaReviewVisitVisit |
|---|---|---|
| Currency conversion fee | 3% | 0%Lower |
| Rewards rate | 1x points per $1 on eligible purchases, redeemable as cash back | 10% rewards |
| 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 | Zero forex, Unlimited domestic lounge access |
| Card kind | Charge | Credit |
| Annual fee | $0 | Not confirmed |
| 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 scores higher overall: 9.1 vs 8.5.
- Currency conversion fee is lower at Scapia: 0% vs 3%.
- Perks: only Current offers Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit, Fee free overdraft.
- Perks: only Scapia offers Zero forex, Unlimited domestic lounge access.
- Support channels: only Current offers Chat, Help centre.
- Support channels: only Scapia offers Phone.
- Features: only Current offers Crypto, Custodial.
- Features: only Scapia offers Rewards.
Our verdict on each
Current
Current suits people who want a no monthly fee account with a Visa debit card, fee-free overdrafts and crypto trading on the same balance. Weigh the currency conversion fee of 3% against a 1% site median, and check what the card costs you abroad.
Scapia
The Scapia credit card in India is co-branded with Federal Bank and Scapia Technology. Repayment is available through Pay Your Bill in the Scapia app; this is the Federal Bank variant.
Score breakdown
| Area | Current | Scapia |
|---|---|---|
| Cost | 8.7Monthly fee of $0 and annual fee of $0, but a currency conversion fee of 3% against a 1% site median. | Not confirmed |
| Offer | 9.6Higher | 8.9 |
Positions in our rankings
| Ranking | Current | Scapia |
|---|---|---|
| Credit cards | 21 of 1020 | 39 of 1020 |
| Rewards cards | 4 of 122 | 9 of 122 |
Spending 1,000 abroad
Current
30
3% of 1,000
Scapia
0
0% of 1,000
Scapia comes out 30 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked October 17, 2026.
Every fact side by side
| Fact | Current | Scapia |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Crypto, Custodial | Rewards |
| Audience | Kids | Not confirmed |
| Legal entity | Finco Services, Inc. | Scapia Technology Private Limited |
| Headquarters | United States | India |
| Support channels | Email, Chat, Help centre | Phone, Email |
Where each stands against the rest
| Fact | Current | Scapia | Median |
|---|---|---|---|
| Annual fee | $0at the median | Not confirmed | $0 |
| APR | 0%lowest quarter | Not confirmed | 19.39% |
| Currency conversion fee | 3%highest quarter | 0%below the median | 1% |
Median across 312 listed cards.
Pros and cons
Current
Pros
- Monthly fee of $0 and annual fee of $0, so keeping the account open costs you nothing to run
- Fee-free overdrafts, which means a short dip under your balance does not add a charge to your bill
- Buy and sell crypto with no trading fees, with the account also listed for custodial holdings
Cons
- A currency conversion fee of 3% against a 1% site median, so foreign spending costs more than it does with a low conversion pick
- Support runs on email, chat and help centre only, with no phone line when a card is frozen or a payment is disputed
- The account is a charge card in the charge sense, listed at 3.2% against 96.8% for the credit kind, so treat the balance as a sum to clear rather than revolving
Scapia
Pros
- Federal Bank identifies Scapia Technology as its co-brand partner.
Cons
- Terms for other issuer variants should not be assumed to apply.
Who each suits
Current
Who it suits
- US customers who want no monthly fee and no annual fee on a Visa debit card
- Parents looking for teen and custodial accounts, the audience the brand lists
- People who want to hold and trade crypto inside the same spending account
Who should look elsewhere
- Anyone spending heavily abroad, since the 3% conversion fee sits well above the 1% site median, where Wise or a no foreign fee pick is cheaper
- People who need a phone line for urgent card problems, since support runs on email, chat and help centre
- Shoppers who want cash back as the standard reward, since points are the points model here
Scapia
Who it suits
- Indian cardholders comparing the Federal Bank co-branded Scapia card and in-app bill payment.
Who should look elsewhere
- Customers applying terms from a different bank-issued Scapia card.
Country by country
| Country | Current | Scapia |
|---|---|---|
| United States | Yes | No |
Questions about each
Current
Does Current charge a monthly or annual fee?+
No. The monthly fee is $0 and the annual fee is $0, so running the account costs you nothing. Money only leaves your balance when you spend it or draw cash, and foreign spending is where a charge can appear. It sits in the same no annual fee group as most compared brands.
How much does it cost to spend in another currency?+
The currency conversion fee is 3%, which is above the 1% site median and well above the 0% lower end. Because the card is on the Visa network, it works abroad, but the conversion charge is the number to budget for. Providers built for travel usually convert at a lower rate.
Scapia
What kinds of trips can be planned in the Scapia app?+
The app covers several kinds of travel, from stays at resorts, hotels and homestays to flights and bus journeys. Travel experiences can be added as well, so a trip can be built step by step inside one application. Travellers can look at the options side by side before settling on a plan. This makes the app useful for short breaks, longer holidays and everyday journeys alike.
Which company operates the Scapia platform?+
The Scapia platform is operated by a private limited technology company registered in Bengaluru, Karnataka, in India. The company's services bring credit card services and travel services together under one platform. The card itself is issued in partnership with a bank.