Gold and jewelry purchases are sometimes excluded from bank card rewards or cashback applications. Nevertheless, some bank cards make an exception, providing as much as 5% again on gold purchases- both as co-branded profit or by way of base reward incomes on all transactions, inclusive of jewelry spends. Provided that these are usually high-value purchases, having a card that provides advantages on this class can yield an ideal financial savings for shoppers, significantly those that spend a considerable quantity on gold purchases steadily.
Right here we’ve got compiled an inventory of the most effective bank cards with advantages on gold and jewelry spends. Whereas many playing cards don’t primarily give attention to gold purchases, a number of stand out by offering co-branded advantages with in style retailers like Tanishq, Zoya, Reliance Jewels, and so on. Along with the co-branded playing cards, our record additionally covers playing cards that embrace gold spends of their rewards program and supply good returns on this often-excluded class.
Record of Credit score Playing cards with Advantages on Gold & Jewelry Spends
Titan SBI Credit score Card
Becoming a member of charge: ₹2999
Annual/Renewal Charge: ₹2999
As much as 7.5% cashback on Titan group manufacturers
3% again on spends at Tanishq
Product Particulars
- 3% value-back on spends at Tanishq (Quarterly capping of Rs. 25,000)
- 5% cashback on spends at Mia/Caratlane/Zoya (Quarterly capping of Rs. 10,000)
- 7.5% cashback on spends at World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth & Sonata (Quarterly capping of Rs. 10,000)
- 6 reward factors per Rs. 100 on different spends
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Tata Neu Infinity HDFC Credit score Card
Becoming a member of charge: ₹1499
Annual/Renewal Charge: ₹1499
5% NeuCoins on all non-EMI spends at Tata Neu & its companion manufacturers
8 home and 4 worldwide Precedence Cross lounge entry per 12 months
Product Particulars
- 1,499 NeuCoins after the primary spend inside 30 days of card issuance
- 1.5% NeuCoins on UPI, non-Tata model and service provider EMI spends
- Extra 5% NeuCoins on choose spends at Tata Neu app/web site
- Low foreign exchange markup charge of two%
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Reliance SBI Card PRIME
Becoming a member of charge: ₹2999
Annual/Renewal Charge: ₹2999
10 Reward Factors per Rs. 100 spent at Reliance Retail Shops
Reliance Retail vouchers of as much as Rs. 14,999 on becoming a member of
Product Particulars
- 5 Reward Factors per Rs. 100 spent on eating, films/leisure, home airways and worldwide spends
- 2 Reward Factors per Rs. 100 spent on different retail spends; 1 Reward Level = Rs. 0.25 for Reliance Retail vouchers
- Reliance Retail vouchers of as much as Rs. 8,750 on as much as Rs. 3 lakh annual spends made at choose Reliance Retail Shops
- 8 complimentary visits to home and 4 to worldwide airport lounges yearly, as much as 2 per quarter every
- 1 free film ticket a month of as much as Rs. 250 & low cost provides at choose Reliance Retail shops
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HDFC Infinia Credit score Card Steel Version
Becoming a member of charge: ₹12500
Annual/Renewal Charge: ₹12500
Limitless airport lounge entry for major and add-on members
10x reward factors on journey and purchasing spends on Smartbuy
Product Particulars
- 1 RP = 1 Air Mile or Rs. 1 for journey bookings, Apple merchandise and Tanishq vouchers bought through SmartBuy
- Invite-only card with Membership Marriott membership and 12,500 reward factors on card activation & renewal
- 5 reward factors on each Rs. 150 spent, together with spends on insurance coverage, utilities and schooling​
- Entry to limitless golf teaching in India & golf video games the world over with 2% foreign exchange mark-up charge
- Ebook 3 nights keep at collaborating ITC motels and pay for two with 1+1 complimentary weekend buffet
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Customary Chartered Final Credit score Card
Becoming a member of charge: ₹5000
Annual/Renewal Charge: ₹5000
5 rewards per Rs. 150 spent with 1:1 redemption ratio
5% cashback as much as Rs. 1,000 on all duty-free spends
Product Particulars
- Low foreign exchange mark-up charge of two%
- 6,000 reward factors on becoming a member of & 5,000 reward factors on renewal charge cost
- As much as 12 lounge entry in a 12 months through Precedence Cross on min. Rs. 20,000 month-to-month spends
- 1 golf recreation & 1 teaching session per 30 days at premier home golf programs
- As much as Rs. 1 crore air journey accident cowl & medical insurance coverage of USD 25,000
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HDFC Regalia Gold Credit score Card
Becoming a member of charge: ₹2500
Annual/Renewal Charge: ₹2500
5X reward factors on Nykaa, Myntra, Marks & Spencer and Reliance Digital
4 reward factors per Rs. 150 throughout all retail spends
Product Particulars
- Complimentary Swiggy One & MMT Black Elite Memberships
- Present voucher value Rs. 2,500 on the cost of becoming a member of charge
- 6 complimentary worldwide lounge visits & 12 complimentary home airport lounge visits per 12 months
- Marks & Spencer, Reliance Digital, Myntra or Marriott vouchers value Rs. 1,500 on Rs. 1.5 Lakh quarterly spends
- Flight vouchers value Rs. 5,000 on annual spends of Rs. 5 Lakh
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American Categorical® Gold Card
Becoming a member of charge: ₹1000
Annual/Renewal Charge: ₹4500
As much as 12,000 bonus Membership Rewards® factors per 12 months as milestone profit
Room improve & $100 lodge credit score on 2 consecutive nights keep at high motels worldwide
Product Particulars
- 1,000 Membership Rewards® factors on making 6 spends of min. Rs. 1,000 every in a month
- 5X Membership Rewards® factors through Rewards Multiplier
- 1 Membership Rewards® level for each Rs. 50 spent, together with gasoline and utility spends
- As much as 20% off on eating at companion eating places
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American Categorical Platinum Card
Becoming a member of charge: ₹66000
Annual/Renewal Charge: ₹66000
Vouchers of as much as Rs. 60,000 from Taj, Reliance or Postcard Motels on spending Rs. 50,000 in first 2 months
Complimentary entry to a number of lounge entry applications
Product Particulars
- Advantages of Rs. 44,300 on the most interesting motels/resorts worldwide, just like the 4 Seasons, Mandarin Oriental, The Ritz-Carlton, and so on.
- Entry to top-tier lodge loyalty applications, like Marriott Bonvoyâ„¢ Gold Elite, Hilton Honors Gold, Taj Reimagined Epicure, Radisson Rewards Gold, and so on.
- Invites to VIP-only occasions & entry to pre-sale tickets & a few of the greatest seats at Trend Week, Grammy Award, Wimbledon, and so on.
- Eazy Diner Prime membership with as much as 50% off at premium eating places in India
- Vouchers value Rs. 35,000 from Taj Motels, Reliance Manufacturers Ltd., Postcard Motels on annual spends of Rs. 20 Lakh
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Video: 5 Finest Credit score Playing cards for Jewelry Purchases in India 2024
Word: Particulars talked about within the video have been sourced from the issuer’s web site as of October 2024. For up to date data, seek advice from this web page.
1. Titan SBI Credit score Card
Amongst a number of advantages round quite a few Titan-owned manufacturers, the Titan SBI Card provides substantial returns on 4 totally different gold jewelry manufacturers: Tanishq, Zoya, Caratlane, and Mia. In contrast to most co-branded bank cards that restrict the advantages to 1 model, this card offers shoppers a possibility to shuffle between totally different manufacturers. Worth-back is obtainable as cashback, however there may be quarterly capping, therefore shoppers ought to plan their purchases accordingly. As an illustration, cashback earned on Carartlane, Mia and Zoya is capped at Rs. 10,000 per quarter, which implies spends above Rs. 2 Lakh in 1 / 4 made on these manufacturers is not going to earn any accelerated advantages. Therefore, it’s higher to separate big-ticket jewelry spends throughout totally different quarters to derive most worth.
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Annual Charge: Rs. 2,999 (waived off on spending Rs. 3 Lakh) |
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Advantages on Gold Spends:
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Different Options and Advantages:
- 7.5% cashback on World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth & Sonata
- 1.5% again i.e. 6 reward factors per Rs. 100 on all different spends
- Redeem rewards towards Titan Vouchers (per reward worth Rs. 0.25)
- Bonus 12,000 reward factors value Rs. 3,000 on card activation
- Extra advantages value Rs. 5,000 on annual spends of Rs. 5 Lakh
- Extra advantages value Rs. 10,000 on annual spends of Rs. 10 Lakh
- 8 complimentary home airport lounges entry yearly (2 per quarter)
- 4 complimentary worldwide airport lounge entry within the first two years (2 per quarter)
- Complimentary Precedence Cross Membership
2. HDFC Financial institution Tata Neu Infinity Credit score Card
One other co-branded card providing advantages on gold and jewelry spends is Tata Neu Infinity HDFC Financial institution Credit score Card. Along with its record of in style on a regular basis manufacturers like Tata 1 MG, bigbasket, Tata CLiQ and so on, the cardboard additionally provides accelerated profit on in style jewelry brand- Tanishq. Cardholders can earn as much as 5% cashback within the type of NeuCoins, which might once more be utilized throughout these manufacturers, reaffirming the cardboard’s co-branded id. On their Tanishq spends, customers can earn cashback on month-to-month spends of as much as Rs. 6 Lakh each month and annual spends of as much as Rs. 18 Lakh. Although restricted, the restrict is kind of excessive and might yield nice returns of as much as Rs. 30,000 in a month and as much as Rs. 90,000 in a 12 months.
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| Annual Charge: Rs. 1,499 (waived off on spending Rs. 3 Lakh) | |
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Profit on Gold Spends:
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Different Options and Advantages:
- 5% again on spends at Tata Neu app and companion Tata manufacturers (on non-EMI spends- Test record of companion manufacturers)
- 1.5% again on different spends (together with any service provider EMI spends)
- 1.5% again on UPI spends through RuPay variant (as much as 500 NeuCoins per 30 days)
- Extra 5% again on transactions accomplished through Tata Neu App/Web site
- 8 complimentary home lounge entry visits per 12 months (2 per quarter)
- As much as 4 complimentary lounge entry visits outdoors India per 12 months through Precedence Cross membership
3. Reliance SBI Card Prime
This co-branded card from SBI Card and Reliance Group covers various life-style classes and gold buy is one among them. Shoppers can earn an accelerated 2.5% worth again and get vouchers as milestone advantages on a number of Reliance Group manufacturers, together with Reliance Jewels. Since the advantages on gold spends are restricted to Reliance Jewels, shoppers must compromise on different model preferences, if any.
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| Annual Charge: Rs. 2,999 |
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Advantages on Gold spends:
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Word: 2% low cost relevant on making fees for Gold & 2% On Diamond bill worth, relevant on choose SKUs in Gold & Diamond.
Different Options and Advantages:
- Reliance Retail voucher value of Rs. 3,000Â on cost of card activation
- 10 reward factors for each Rs. 100 spent on Reliance Retail Shops (Test record of collaborating Reliance manufacturers)
- 5 reward factors for each Rs. 100 spent on eating, films & leisure, home airways and worldwide spends
- 2 reward factors for each Rs. 100 spent on different retail purchases
- Per reward worth is Rs. 0.25
- Reliance Retail Voucher value Rs. 1,500 on annual Spends of Rs. 75,000; value Rs. 2,250 on annual spends of Rs. 1,50,000 and value Rs. 5,000 on annual spends of Rs. 3,00,000at collaborating Reliance Retail Shops
- Complimentary film ticket each month value Rs. 250
- 8 complimentary home airport lounges per calendar 12 months (topic to 2 per quarter)
- 4 complimentary worldwide airport lounges per calendar 12 months (topic to 2 per quarter)
- 1% gasoline surcharge throughout all petrol pumps in India, for transactions between Rs. 500 and Rs. 4,000
4. HDFC Financial institution Infinia Credit score Card
HDFC Infinia is one other all-round bank card providing a wonderful reward fee of three.33% on a number of classes together with gold spends. It’s an invite-only bank card supplied solely to chose prospects. Advantages aren’t restricted to reward incomes; cardholders can even straight redeem rewards towards Tanishq vouchers within the ratio of 1:1. Although non-Tanishq spends additionally yield a very good return, those that favor Tanishq for gold purchases can nicely make the most of the cardboard advantages. As a result of a number of redemption choices obtainable, the cardboard is an effective match for many who steadily spend on gold spends but in addition need all-round advantages throughout journey and purchasing.
Word: As HDFC Infinia is an invite-only card, you can’t apply for it. Nevertheless, you may get the identical value-back on gold purchases and different spends by way of HDFC Diners Membership Black Credit score Card. Journey and life-style advantages on each the playing cards are additionally comparable.
| Annual Charge: Rs. 10,000 (waived off on spending Rs. 10 Lakh) |
Advantages on Gold Spends:
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Different Options and Advantages:
- 5 reward factors for each Rs. 150 spent throughout all retail classes together with insurance coverage, utilities and schooling
- As much as 10X Rewards on journey and purchasing spends through SmartBuy
- 12500 bonus reward factors on becoming a member of and renewal charge cost
- Complimentary Membership Marriott membership as welcome profit with advantages: as much as 20% off on meals and drinks, 20% off on stays and 20% off on spa companies ; room improve vouchers and 30 % off on greatest obtainable charges
- Limitless home lounge entry for major and add-on cardholders
- Limitless worldwide lounge entry through Precedence Cross for major and add-on cardholders
- Complimentary free night time keep provide at ITC Motels ; 1+1 complimentary buffet
- Low foreign exchange mark-up charge of two%
- World concierge service
- Limitless complimentary golf video games in India and overseas
- Flat 15% low cost through Swiggy Dineout
- 1% gasoline surcharge waiver on gasoline transactions
5. Customary Chartered Final Credit score Card
One other all-rounder bank card on this record is the Customary Chartered Final Credit score Card. The cardboard comes at a excessive reward fee of three.33% and gold buy is just not in its record of exclusions. Although largely identified for its journey advantages like accelerated return on duty-free spends and low foreign exchange mark-up charge, the cardboard can fetch customers good reward factors on gold transactions, which might later be redeemed throughout a number of classes.
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| Annual Charge: Rs. 5,000 |
Profit on Gold Spends:
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Different Options and Advantages:
- 6,000 complimentary reward factors value Rs. 6,000 on card activation (on cost of becoming a member of charge)
- 5 reward factors for each Rs. 150 spent on eligible spends
- Per reward worth= Rs 1
- Low international foreign money markup charge of two%
- 5% cashback on obligation free spends
- Complimentary Precedence Cross membership
- 1 free lounge go to per 30 days on spending Rs. 20,000 within the earlier billing cycle
- 1 complimentary golf recreation per 30 days
6. HDFC Regalia Gold Credit score Card
HDFC Financial institution Regalia Gold bank card is an all-rounder bank card that rewards shoppers on each spend, together with gold buy. The cardboard comes with a very good reward fee of 1.73% for gold purchases, together with different journey and life-style advantages. Because the card comes with a number of redemption choices like flights and lodge bookings, air miles, and so on., cardholders can earn substantial rewards by way of high-ticket purchases like gold and jewelry, and redeem them throughout a number of classes. Moreover, customers additionally get entry to the ‘Unique Gold Catalogue’, protecting premium manufacturers like Apple, Fitbit, and so on. An essential level to notice is that the cardboard comes with a capping of fifty,000 reward factors in an announcement cycle throughout all classes. Thus, making a big-ticket buy on gold spend would possibly restrict your reward incomes on different spends.
| Annual Charge: Rs. 2,500 (waived off on spending Rs. 4 Lakh ) | |
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Profit on Gold Spends:
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Different Options and Advantages:
- Complimentary Membership Vistara Silver and MMT Black Elite Membership; Present voucher value Rs. 2,500 on card activation
- 4 reward factors for each Rs. 150 spent (together with insurance coverage, utilities and schooling)
- 20 reward factors for each Rs. 150 spent at chosen brands- Nykaa, Myntra, Marks & Spencer and Reliance Digital
- Complimentary Precedence Cross Membership
- As much as 6 complimentary lounge visits in a 12 months
- 12 complimentary home lounge entry visits in a 12 months
- Rs. 1,500 voucher from Marks and Spencer, Reliance Digital, Myntra or Marriott on spending Rs. 1.5 Lakh in 1 / 4
- Flight vouchers value Rs. 5,000 on spending Rs. 5 Lakh in a 12 months
- Extra flight voucher of Rs. 5,000 on spending Rs. 7.5 Lakh
7. American Categorical Gold Card
American Categorical Gold Credit score Card is greatest identified for protecting some usually excluded manufacturers in its reward program, like utilities, gasoline, and even gold spends. Therefore, shoppers can earn rewards on their big-ticket gold spends. The incomes is much more with the Rewards Multiplier platform, as customers earn 5-times extra reward factors on some in style gold and jewelry manufacturers like Tanishq and Giva, amongst 60+ different life-style manufacturers. Compared to different playing cards on this record that supply both co-branded or normal reward advantages on gold purchases, this card provides each.
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| Annual Charge: Rs. 4,500 |
Advantages on Gold Spends:
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Different Options and Advantages:
- 1 Membership Rewards® level for each Rs. 50 spent
- 5X Membership Rewards® factors on purchases made through Rewards Multiplier
- No capping on Membership Rewards® factors
- Bonus 4,000 Membership Rewards® factors on card activation ( on spending Rs. 10,000 with 90 days)
- Bonus 1,000 Membership Rewards® factors ( on finishing 6 transactions value Rs. 1000 in a month)
- Complimentary room improve and lodge credit on staying 2 consecutive nights on 400+ lodge the world over like Hyatt, Hilton Motels and so on.
- Bonus 5,000 Membership Rewards® factors on card renewal
- As much as 20% off on eating payments at companion eating places
8. American Categorical Platinum Card
One other American Categorical bank card on this record is the American Categorical Platinum Card. This card additionally comes with as few exclusions as doable and covers gold spends within the rewards program. Nevertheless, the cardboard comes at a excessive annual charge of Rs. 66,000—the best for the playing cards on this record. Customers can earn 5x rewards through the Reward Multiplier (on manufacturers like Tanishq and GIVA) and even 20x rewards through the Rewards Xcelerator, protecting manufacturers like Moi Jewels, Zoya, and Bvlgari. The cardboard is essentially appropriate for high-income earners.
| Annual Charge: Rs. 66,000 |
Advantages on Gold Spends:
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Different Options and Advantages:
- Keep vouchers value Rs. 45,000 from Taj, SeleQtions and Vivanta Motels (topic to cost of becoming a member of charge and spending Rs. 50,000 in first two months)
- Complimentary Occasions Ace Memberships with entry to 40+ OTT and publications together with Disney+ Hotstar, Discovery+ and extra
- Vouchers value as much as Rs. 35,000 from Taj Motels, Reliance Manufacturers Restricted (Luxe Present Card), Postcard Motels & Resorts on spending Rs. 20 Lakh in a 12 months
- Complimentary advantages value Rs. 44,300 at a few of the most interesting motels and resorts just like the 4 Seasons Motels and Resorts, Mandarin Oriental, The Ritz-Carlton and extra
- 25% off at Taj, SeleQtions and Vivanta Motels; 50% off on Suites at Oberoi Motels and Resorts
- Free nights, dinner and spa advantages throughout Lalit Group of Motels (10 choose properties)
- Complimentary lodge memberships like Accor Plus Traveller Membership, The Postcard Lodge Sunshine Membership – Platinum Tier Membership, Marriott Bonvoy™ Gold Elite Standing, Taj Reimagined Epicure Plus and extra
- Entry to over 1,300 airport lounges throughout the globe through American Categorical World Lounge Assortment (American Categorical Lounges, Precedence Cross Lounges, Escape Lounges, The Centurion Lounge, Delta Sky Membership Lounge (when flying Delta) and Different Home Associate Lounges in India)
- Unique offers and provides on in style airways, together with Emirates, Qatar Airways, Virgin Atlantic, Air France, KLM, Delta Airways and way more.
- Limitless complimentary golf video games and classes at 30+ golf programs in India and 50+ golf programs worldwide.
- 1 Membership Reward Level for each Rs. 40 spent
- 3X Membership Reward Factors on all worldwide spends
- 5X Membership Reward Factors on spends at in style manufacturers like Myntra, Apple, Dyson, MakeMyTrip and extra by way of Reward Multiplier
- 4 extra bonus Membership Reward Factors for each Rs. 100 spent on gasoline, capped at 5,000 factors per 30 days
- Entry to pre-sale tickets of VIP-only occasions and expertise
- As much as 50% off at premium eating places with complimentary EazyDiner Prime Membership
- 24×7 concierge companies for final minute reservations, help relating to visa and way more