Updated September 28, 2026 · SumCue Editorial Team
Current vs ICICI Bank Credit Cards
Current
ICICI Bank Credit Cards
Higher score in this comparison
Where Current and ICICI Bank Credit Cards differ
| Compare | CurrentReviewVisitVisit | 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
- ICICI Bank Credit Cards scores higher overall: 9.1 vs 9.0.
- APR is lower at Current: 0% vs 9.99% to 16.5%.
- Currency conversion fee is lower at Current: 3% vs 3.5%.
- 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 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 offers No annual fee.
- Pricing model: only ICICI Bank Credit Cards offers Fixed rate.
- Features: only Current offers Crypto, Custodial.
- Features: only ICICI Bank Credit Cards offers Same day funding.
Our verdict on each
Current
Current suits US families and anyone who wants one app for spending, saving and short crypto trades. No monthly fee of $0 and an annual fee of $0 keep the everyday cost at nil, though 3% on currency conversion gives foreign spend away.
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 | ICICI Bank Credit Cards |
|---|---|---|
| Cost | 8.8HigherNo monthly or annual fee, fee-free overdraft, but a currency conversion fee of 3% bites on foreign spend. | 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 | 9.4 | 9.4 |
| Trust | Not confirmed | 9.4 |
Availability and regulation
Additional countries for Current: 1. Additional countries for ICICI Bank Credit Cards: 1.
Spending 1,000 abroad
Current
30
3% of 1,000
ICICI Bank Credit Cards
35
3.5% of 1,000
Current 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.
How they place
| Ranking | Current | ICICI Bank Credit Cards |
|---|---|---|
| Credit and debit cards | 34 of 1594 | 27 of 1594 |
| Credit cards | 12 of 421 | 10 of 421 |
Every fact side by side
| Fact | Current | ICICI Bank Credit Cards |
|---|---|---|
| Pricing model | No annual fee | Fixed rate |
| Features | Crypto, Custodial | Same day funding |
| Audience | Kids | Not confirmed |
| 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 |
Savings
| Fact | Current | ICICI Bank Credit Cards |
|---|---|---|
| Headline rate | 0.25% to 4% | Not confirmed |
| Rate type | Variable | Fixed |
| Term | Not confirmed | 12 to 72 months |
| Minimum deposit | $0.010 | Not confirmed |
| Deposit protection | FDIC up to USD 250,000 | Not confirmed |
| Access terms | Savings Pods accessible on demand in the mobile app, no notice period, up to three pods | Not confirmed |
| Monthly fee | $0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Where each stands against the rest
| Fact | Current | 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
Pros
- No monthly fee of $0 and fee-free overdraft
- Pods pay a variable 0.25% to 4% from a minimum deposit of $0.01
- Deposits hold FDIC up to USD 250,000 protection
Cons
- Currency conversion costs 3% on foreign spend
- Support runs on email, chat and help centre only, so there is no phone line
- The savings rate is variable and the boost can sit at the bottom of 0.25% to 4%
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
Who it suits
- US households that want spending and savings in a single app
- Parents setting up a teen or custodial account with a debit card
- Anyone who wants to buy and sell crypto alongside everyday banking
Who should look elsewhere
- Frequent travellers, since currency conversion runs at 3%
- Anyone outside the US, where Current does not operate
- People who want a UK or euro current account with a branch-style support line
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 | ICICI Bank Credit Cards |
|---|---|---|
| India | No | Yes |
| United States | Yes | No |
Questions about each
Current
Is there a monthly fee for a Current account?+
No. The monthly fee is $0 and the annual fee is $0, and overdrafts on the debit card are fee-free. Cash deposits, direct deposits and the savings pods sit inside the same app, so there is no separate charge to open the account.
What does currency conversion cost?+
Spending in another currency is charged 3%. That is the main cost to watch if you travel or buy from overseas sellers, and it applies to the debit card.
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.