Updated September 28, 2026 · SumCue Editorial Team
Current Build Card vs ICICI Bank
Current Build Card
Higher score in this comparison
ICICI Bank
What sets them apart
| Compare | Current Build CardReviewVisitVisit | ICICI BankReviewVisitVisit |
|---|---|---|
| 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 8.9.
- 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 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 offers Phone.
- Pricing model: only Current Build Card offers No annual fee.
- Pricing model: only ICICI Bank offers Fixed rate.
- Features: only Current Build Card offers Secured.
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
ICICI Bank is a full-service Indian bank covering saving, spending and borrowing, so it suits customers who want one provider. The savings account pays 2.5% on a variable rate, with easy access to cash, bill payments and transfers by UPI, IMPS, NEFT and RTGS, and personal loans disburse instantly.
Score breakdown
| Area | Current Build Card | ICICI Bank |
|---|---|---|
| Cost | 9.2HigherAnnual fee of $0 and an APR of 0%, the weakest part being the 3% currency conversion fee. | 8.6Card costs weigh heavy: an annual fee of INR 3,500 on the Sapphiro card, and personal loan rates of 9.99% to 16.5%. |
| Offer | 9.6Higher | 9.4 |
| Trust | Not confirmed | 9.0 |
Positions in our rankings
| Ranking | Current Build Card | ICICI Bank |
|---|---|---|
| Credit and debit cards | 20 of 1594 | 43 of 1594 |
| Credit cards | 6 of 421 | 15 of 421 |
Spending 1,000 abroad
Current Build Card
30
3% of 1,000
ICICI Bank
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.
Where these facts come from
Current Build Card
- current.com: 13 facts, checked September 26, 2026
ICICI Bank
- icici.bank.in: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | Current Build Card | ICICI Bank |
|---|---|---|
| Pricing model | No annual fee | Fixed rate |
| 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 |
Loans
| Fact | Current Build Card | ICICI Bank |
|---|---|---|
| Loan amount | Not confirmed | ₹50,000 to ₹5,000,000 |
| Term | Not confirmed | 12 to 72 months |
| Arrangement fee | Not confirmed | Up to 2% of loan amount plus taxes (Personal Loan processing charge) |
| Credit check | Not confirmed | Hard |
| Funding time | Not confirmed | Instant disbursement |
| Rate type | Not confirmed | Variable |
| Lender type | Not confirmed | Direct lender |
| Free early repayment | Not confirmed | No |
| Eligibility | Not confirmed | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees |
| Origination fee (%) | Not confirmed | 2% |
| Loan types | Not confirmed | Personal, Debt consolidation |
| Use cases | Not confirmed | Home improvement |
Savings
| Fact | Current Build Card | ICICI Bank |
|---|---|---|
| Headline rate | Not confirmed | 2.5% |
| Minimum deposit | Not confirmed | ₹2,500 to ₹15,000 |
| Access terms | Not confirmed | Easy access to funds: cash withdrawals, utility bill payments and online fund transfers through UPI, IMPS, NEFT and RTGS |
| Account kind | Not confirmed | Easy access |
Mortgages
| Fact | Current Build Card | ICICI Bank |
|---|---|---|
| Initial rate | Not confirmed | 7.55% |
| Maximum loan to value | Not confirmed | 80% to 90% |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Current Build Card | ICICI Bank | 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
Pros
- Personal loans disburse with Instant disbursement, on amounts of INR 50,000 to INR 5,000,000 over terms of 12 to 72.
- The savings account is easy access, taking a minimum deposit of INR 2,500 to INR 15,000.
- The card pays points on spending, with lounge visits, golf rounds, concierge help and welcome vouchers added.
Cons
- Foreign spend on the card carries a currency conversion fee of 3.5%.
- Personal loan applications run a hard credit check, and good credit is the bar.
- Free early repayment is not offered, so settling a personal loan early carries a charge.
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
Who it suits
- Salaried Indian citizens of adult age who want savings, a card and loans from one bank.
- Savers comfortable with a variable savings rate and borrowers happy with a fixed rate loan.
- Cardholders who want a credit card with lounge, golf and concierge perks on top of points.
Who should look elsewhere
- wise, if a card with no annual fee matters most, since its annual fee is £0.
- bunq, if you would rather hold a euro account with an annual fee of €0 on the card.
- Varo Believe Secured Credit Card, if a secured card with an annual fee of $0 is the better fit.
Current offers
ICICI Bank
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 |
|---|---|---|
| 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
What does the card cost to hold each year?+
The annual fee on the card is INR 3,500, which sits above cards that charge nothing. Foreign currency transactions add a conversion fee of 3.5% on top. It is a credit card, so balances are meant to be cleared in full rather than carried.
What rewards does the card pay?+
Rewards come as points, earning more on international spend than on domestic, utility and insurance purchases. The credit card also carries welcome vouchers with travel, dining and retail partners, lounge visits, golf rounds, a round the clock concierge service, air accident cover and a fuel surcharge waiver.
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