HOUSOFAIHousofai Smart Shopping
The right card
pays you back.
Compare 20 credit cards and accounts from India's top banks in plain words, then shop 27 trusted stores. Choose in minutes and apply on the bank's official site.
- Official bank sitesYou apply directly with the bank
- Free, alwaysNo fee to compare or apply
- Plain-word benefitsNo jargon, no fine-print traps
- We never ask for OTPsOr PINs, CVVs or passwords
Card matcher
Find your card in 30 seconds
Answer four quick questions. We'll suggest cards that fit how you spend, from banks you don't already use, so your application has a better chance.
Top picks for November 2026
Our three favourite cards right now
Compare cards & accounts
Find the card that fits how you spend
Loading cards…
Shop trusted stores
Your favourite stores, one tap away
Each store opens on its official site with its own prices, sales and coupons.
Today's deals
Price drops we checked today
How to choose
Three questions pick your card
- Where do you spend most?
Online shopping, fuel, food, travel or bills. Pick the card that rewards that category, not the one with the biggest headline.
- Do you pay the full bill every month?
Then rewards win. If not, choose a lifetime-free card and focus on paying down the balance first.
- Is this your first card?
Start with a lifetime-free or fixed-deposit card. It builds your credit score for better cards later.
Safe by design
Your money and data stay with the bank
- You apply on the bank's official website. We never see your documents.
- We never ask for an OTP, PIN, CVV or password, on a call or anywhere else.
- Approval, credit limit and fees are decided only by the bank.
Is this free to use?
Yes. You pay the bank or store exactly what you would pay going to them directly. We earn a small commission from them when you apply or buy through our links.
Do I get cashback from Housofai?
No. Card rewards, cashback and sale prices come from the bank or store, under their terms. We help you choose, then send you to their official site.
Is it safe to apply through this page?
You apply on the bank's own website. We never see your documents, card number, OTP or PIN, and we will never ask for them.
Will applying affect my credit score?
Each application can lead to a credit enquiry. Pick the one card that suits how you spend, apply, and wait for the result before trying another.
I already have a card from this bank. Can I apply?
You can, but banks often treat it as an upgrade or decline it. Choosing a card from a bank you don't use yet usually works better.
I'm new to credit. Which card can I get?
A card backed by a fixed deposit, such as IDFC FIRST WOW, is approved without a credit history and helps you build one.
How we earn. We earn a small commission from the store or bank when you buy or apply through these links, at no extra cost to you. Prices, offers and card features are set by the store or bank and can change at any time, so check them on their page before you pay or apply. Card features shown are summaries from the banks' offers as of November 2026; check the full terms on the bank's page before applying.