Updated September 28, 2026 · SumCue Editorial Team
Current Build Card vs ICICI Bank Credit Cards
Current Build Card
Higher score in this comparison
ICICI Bank Credit Cards
Where Current Build Card and ICICI Bank Credit Cards differ
| Compare | Current Build CardReviewVisitVisit | ICICI Bank Credit CardsReviewVisitVisit |
|---|---|---|
| Annual fee | $0 | ₹3,500 |
| APR | 0%Lower | 9.99% to 16.5% |
| 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 |
| Credit needed | Poor | Good |
| 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 |
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. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Current Build Card scores higher overall: 9.4 vs 9.1.
- APR is lower at Current Build Card: 0% vs 9.99% to 16.5%.
- 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 ICICI Bank Credit Cards offers Phone.
- Pricing model: only Current Build Card offers No annual fee.
- Pricing model: only ICICI Bank Credit Cards offers Fixed rate.
- Features: only Current Build Card offers Rewards, Secured.
- Features: only ICICI Bank Credit Cards offers Same day funding.
Our verdict on each
Current Build Card
The Current Build Card suits US adults building credit who want a secured card with no annual fee. Its rewards are one point per dollar on eligible purchases, redeemable as cash back. Foreign spend costs 3%, so it is poor value abroad and better kept for domestic use.
ICICI Bank Credit Cards
ICICI Bank offers a personal loan of INR 50,000 to INR 5,000,000 alongside a points credit card with lounge and fuel perks, suiting Indian salaried borrowers who want one bank for loans and spending. Costs weigh it down, since the loan fee and card charges stack on the interest.
Score breakdown
| Area | Current Build Card | ICICI Bank Credit Cards |
|---|---|---|
| Cost | 9.2HigherAnnual fee of $0 and an APR of 0%, the weakest part being the 3% currency conversion fee. | 8.6Loan interest of 9.99% to 16.5%, an arrangement fee of 2% plus taxes, and a card annual fee of INR 3,500. |
| Offer | 9.6Higher | 9.4 |
| Trust | Not confirmed | 9.4 |
Positions in our rankings
| Ranking | Current Build Card | ICICI Bank Credit Cards |
|---|---|---|
| Credit and debit cards | 20 of 1594 | 27 of 1594 |
| Credit cards | 6 of 421 | 10 of 421 |
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 |
|---|---|---|
| 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.
Every fact side by side
| Fact | Current Build Card | ICICI Bank Credit Cards |
|---|---|---|
| Pricing model | No annual fee | Fixed rate |
| Features | Rewards, Secured | Same day funding |
| Legal entity | Finco Services, Inc. | ICICI Bank Limited |
| Headquarters | United States | India |
| Founded | Not confirmed | 1994 |
| Support channels | Email, Chat, Help centre | Phone, Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | Current Build Card | ICICI Bank Credit Cards | Median |
|---|---|---|---|
| APR | 0%lowest quarter | 9.99% to 16.5%below the median | 11.635% |
| Currency conversion fee | 3%highest quarter | 3.5%highest quarter | 1% |
Median across 486 listed providers.
Pros and cons
Current Build Card
Pros
- Annual fee of $0 and an APR of 0%, so holding and carrying a balance cost nothing
- Secured, so it suits a poor credit profile
- Points on eligible purchases, redeemable as cash back, with a points scheme
Cons
- Currency conversion fee of 3% is the weak spot for travel spending
- Support runs on email, chat and help centre only, with no phone line listed
- It is a charge card, so full balances come due each cycle rather than revolving on terms
ICICI Bank Credit Cards
Pros
- Personal loans from INR 50,000 to INR 5,000,000 over 12 to 72, priced on a fixed-rate basis.
- Money moves fast: same day funding and Instant disbursement for approved loans.
- A direct lender offering personal and debt consolidation loans, so the bank sets the terms itself.
Cons
- Free early repayment is listed as no, so clearing the balance before the term ends carries a cost.
- Card running costs add up: INR 3,500 a year plus 3.5% on currency conversion.
- The loan applies a hard credit check and asks for good credit.
Who each suits
Current Build Card
Who it suits
- US adults with a poor credit history needing a first card with no annual fee
- Anyone who wants a secured card reporting to Equifax, Experian and TransUnion
- Direct deposit earners who value early pay and fee-free overdrafts
Who should look elsewhere
- Frequent travellers, since the currency conversion fee of 3% applies on foreign spend
- Anyone who wants to revolve a balance on a card credit line, as this is a charge card
- People who need phone support, since channels are limited to email, chat and help centre
ICICI Bank Credit Cards
Who it suits
- Salaried Indian citizens who meet the bank's minimum age and monthly income test.
- Borrowers consolidating debt or funding home improvement on a fixed-rate personal loan.
- Card holders who travel and care about lounge access, concierge help and a fuel surcharge waiver.
Who should look elsewhere
- Borrowers after euro lending: Creduma ES works from from €12,000.
- Rate shoppers comparing lenders in other markets: Sofkredit lists 10.74% to 18.06% and Cashspace PHP 12 to PHP 36, both in different currencies.
- Anyone wanting a card with no annual charge, since this card's fee is INR 3,500.
Current offers
ICICI Bank Credit Cards
Current offer
Bonus
Sapphiro Credit Card welcome vouchers with BookMyShow buy one get one offer
Sapphiro Credit Card only; includes international and domestic airport lounge access
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
How much is the Current Build Card to keep?+
There is no annual fee, so the card costs nothing to hold in the US. The APR is 0%, which means no interest is added to balances. The only charge to watch is the 3% currency conversion fee on foreign spending.
Who can apply for this secured card?+
It is built for a poor credit profile, since a secured card backs your limit with a deposit rather than a long credit history. Teen and custodial accounts are also offered, so younger US account holders can start building a file.
ICICI Bank Credit Cards
What does a personal loan from ICICI Bank cost?+
Interest runs at 9.99% to 16.5% on a fixed-rate basis, and the arrangement fee is 2% of the loan amount plus taxes. Free early repayment is listed as no, so closing the balance before the end of 12 to 72 carries a cost.
How much can I borrow, and for how long?+
Loans run from INR 50,000 to INR 5,000,000 over 12 to 72. The site median amount for this kind of lending is €526.18 and the median term is 36, so both the ceiling and the longest term sit well above the middle of the market.
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