Gold and jewelry purchases are excluded from most bank card rewards or cashback applications. Contemplating these are big-ticket purchases, the inclusion of those spends for the value-back incomes can yield an excellent return to the customers.
As an exception to the final exclusion guidelines, some playing cards provide pretty much as good as 5% again on gold spends, both as co-branded profit or by way of base reward incomes on all transactions, inclusive of jewelry spends. Proudly owning such playing cards may be useful for individuals who spend a considerable quantity on gold purchases continuously.
Right here we’ve compiled an inventory of the very best bank cards with advantages on gold and jewelry spends. Perceive that, other than playing cards that provide good value-back on jewelry spends by way of co-branded advantages on widespread retailers like Tanishq, advantages on gold spends is just not a major function on most playing cards. Therefore, our record additionally covers playing cards that embrace gold spends of their rewards program and supply good returns on this class.
Record of Credit score Playing cards with Advantages on Gold & Jewelry Spends
Titan SBI Credit score Card

Becoming a member of payment: ₹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 payment: ₹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
- Further 5% NeuCoins on choose spends at Tata Neu app/web site
- Low foreign exchange markup payment of two%
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Reliance SBI Card PRIME

Becoming a member of payment: ₹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 gives at choose Reliance Retail shops
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American Specific® Gold Card

Becoming a member of payment: ₹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 prime accommodations 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 gas and utility spends
- As much as 20% off on eating at companion eating places
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HDFC Regalia Gold Credit score Card

Becoming a member of payment: ₹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 Membership Vistara Silver & MMT Black Elite Memberships
- Reward voucher value Rs. 2,500 on the cost of becoming a member of payment
- 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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Normal Chartered Final Credit score Card

Becoming a member of payment: ₹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 payment of two%
- 6,000 reward factors on becoming a member of & 5,000 reward factors on renewal payment 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 monthly 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 Infinia Credit score Card Steel Version

Becoming a member of payment: ₹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 internationally with 2% foreign exchange mark-up payment
- Guide 3 nights keep at collaborating ITC accommodations and pay for two with 1+1 complimentary weekend buffet
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American Specific Platinum Card

Becoming a member of payment: ₹66000
Annual/Renewal Charge: ₹66000
Keep vouchers value Rs. 45,000 from Taj, SeleQtions & Vivanta Accommodations
Complimentary entry to a number of lounge entry applications
Product Particulars
- Advantages of Rs. 44,300 on the most interesting accommodations/resorts worldwide, just like the 4 Seasons, Mandarin Oriental, The Ritz-Carlton, and so forth.
- Entry to top-tier lodge loyalty applications, like Marriott Bonvoy™ Gold Elite, Hilton Honors Gold, Taj Reimagined Epicure, Radisson Rewards Gold, and so forth.
- Invites to VIP-only occasions & entry to pre-sale tickets & a number of the finest seats at Trend Week, Grammy Award, Wimbledon, and so forth.
- Eazy Diner Prime membership with as much as 50% off at premium eating places in India
- Vouchers value Rs. 35,000 from Taj Accommodations, Reliance Manufacturers Ltd., Postcard Accommodations on annual spends of Rs. 20 Lakh
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1.Titan SBI Credit score Card
The primary card on the record is the co-branded Titan SBI Credit score Card. Amongst a number of advantages round quite a few Titan-owned manufacturers, the cardboard gives an excellent return on 4 totally different gold jewelry manufacturers: Tanishq, Zoya, Caratlane, and Mia. Thus, in contrast to most co-branded bank cards that restrict the advantages to at least one model, this card offers customers a possibility to shuffle between totally different manufacturers. Nonetheless, as a substitute of month-to-month capping on the value-back, the cardboard has limitations on quarterly spend worth and capping. Thus, customers must cut up their big-ticket purchases in a number of quarters to derive the utmost value-back.
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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 Key Options:
- 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
- Further advantages value Rs. 5,000 on annual spends of Rs. 5 Lakh
- Further 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
Tata Neu Infinity is one other card within the record that provides multi-brand advantages on spends throughout Tata Neu and companion Tata manufacturers. Amongst widespread on a regular basis manufacturers like Tata 1 MG, bigbasket, Tata CLiQ and so forth, the cardboard additionally takes over premium manufacturers like Tanishq. Right here customers can earn cashback as much as 5% cashback. Shoppers can earn rewards within the type of NeuCoins which might once more be utilized throughout these manufacturers, reaffirming the cardboard’s co-branded id.
Nonetheless, the value-back on companion manufacturers comes with sure restrictions. For 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 simply too excessive and may yield good returns of as much as Rs. 30,000 each month and as much as Rs. 90,000 yearly.
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Annual Charge: Rs. 1,499 (waived off on spending Rs. 3 Lakh) | |
Profit on Gold Spends: 5% again as NeuCoins on spends at Tanishq |
Different Key Options:
- 5% again on spends at Tata Neu app and companion Tata manufacturers (on non-EMI spends- Verify 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 monthly)
- Further 5% again on transactions executed 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 exterior 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 way of life classes underneath its umbrella, and gold spends is one among them. Shoppers can earn an accelerated 2.5% worth again and voucher advantages on a number of Reliance Group manufacturers, together with Reliance Jewels. Nonetheless, since the advantages on gold spends are restricted to Reliance Jewels, customers must compromise on different model preferences, if any.
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Annual Charge: Rs. 2,999 |
Advantages on Gold spends:
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Notice: 2% low cost relevant on making costs for Gold & 2% On Diamond bill worth, relevant on choose SKUs in Gold & Diamond.
Different Options and Advantages:
- Reliance Retail voucher value of Rs. 3,000 on cost of card activation
- 10 reward factors for each Rs. 100 spent on Reliance Retail Shops (Verify 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% gas surcharge throughout all petrol pumps in India, for transactions between Rs. 500 and Rs. 4,000
4. American Specific Gold Credit score Card
American Specific Gold Credit score Card is finest recognized for masking some usually excluded manufacturers in its reward program, like utilities, gas, and even gold spends. Thus, customers can earn rewards on their big-ticket gold spends. The incomes is much more with the Rewards Multiplier platform, as customers earn 5x reward factors on some prestigious gold and jewelry manufacturers like Tanishq and Giva, amongst 60+ different way of life manufacturers. Compared to different playing cards on this record that provide both co-branded or normal advantages on gold purchases, this card gives each.
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Annual Charge: Rs. 4,500 |
Advantages on Gold Spends:
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Different Options & 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 internationally like Hyatt, Hilton Accommodations and so forth.
- Bonus 5,000 Membership Rewards® factors on card renewal
- As much as 20% off on eating payments at companion eating places
5. HDFC Financial institution Regalia Gold Credit score Card
HDFC Financial institution Regalia Gold bank card is an all-rounder bank card that rewards customers on each spend, together with the acquisition of gold. The cardboard comes with an excellent reward charge of 1.73% for gold purchases, together with different journey and way of life advantages.
In contrast to different bank cards on this record that provide restricted redemption choices particular to manufacturers, this card comes with a number of redemption choices like flights and lodge bookings, airfare conversion, merchandise and voucher purchases, and assertion stability. Moreover, customers additionally get entry to the ‘Unique Gold Catalogue’, masking premium manufacturers like Apple, Fitbit, and so forth. The cardboard is an appropriate alternative for individuals who need to personal a single bank card with all-round advantages that additionally rewards them nicely on their frequent gold purchases. Nonetheless, be aware 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.
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Annual Charge: Rs. 2,500 (waived off on spending Rs. 4 Lakh ) | |
Profit on Gold Spends: 4 reward factors for each Rs. 150 spent |
Different Key Options:
- Complimentary Membership Vistara Silver and MMT Black Elite Membership; Reward 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
- Further flight voucher of Rs. 5,000 on spending Rs. 7.5 Lakh
6. Normal Chartered Final Credit score Card
One other all-rounder bank card on this record is the Normal Chartered Final Credit score Card. The cardboard comes at a excessive reward charge of three.33%. Although largely recognized for its journey advantages like accelerated return on duty-free spends and low foreign exchange markup payment, the cardboard can fetch customers nice returns on gold transactions.
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Annual Charge: Rs. 5,000 |
Profit on Gold Spends: 5 reward factors on each Rs. 150 spent |
Different Options and Advantages:
- 6,000 complimentary reward factors value Rs. 6,000 on card activation (on cost of becoming a member of payment)
- 5 reward factors for each Rs. 150 spent on eligible spends
- Per reward worth= Rs 1
- Low international foreign money markup payment of two%
- 5% cashback on obligation free spends
- Complimentary Precedence Cross membership
- 1 free lounge go to monthly on spending Rs. 20,000 within the earlier billing cycle
- 1 complimentary golf recreation monthly
7. HDFC Financial institution Infinia Credit score Card
HDFC Infinia is one other all-round bank card giving reward advantages on a number of purchases that additionally consists of gold spends. The cardboard is an invite-only bank card supplied solely to chose prospects. If supplied, this card can fetch customers an excellent return on their gold spends resulting from a excessive reward charge of three.33%. Not solely reward incomes, good value-back on gold spends will also be derived through an unique redemption choice to redeem rewards towards Tanishq vouchers within the ratio of 1:1.
Although non-Tanishq spends additionally yield an excellent return, those that choose Tanishq for gold purchases can nicely make the most of the cardboard advantages. Because of a number of redemption choices accessible, the cardboard is an efficient match for individuals who continuously spend on gold spends but in addition need all-round advantages throughout journey and purchasing. The cardboard comes with a excessive incomes capping of two,00,000 reward factors in an announcement cycle throughout all classes. Thus, even when a shopper make a big-ticket gold buy there will probably be sufficient potential left to earn rewards on different spends- except one makes a really excessive buy.
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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 payment 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 providers ; room improve vouchers and 30 % off on finest accessible 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 Accommodations ; 1+1 complimentary buffet
- Low foreign exchange mark-up payment of two%
- World concierge service
- Limitless complimentary golf video games in India and overseas
- Flat 15% low cost through Swiggy Dineout
- 1% gas surcharge waiver on gas transactions
8. American Specific Platinum Card
One other American Specific bank card on this record is the American Specific Platinum Card. This card additionally comes with as few exclusions as doable and covers gold spends within the rewards program. Nonetheless, the cardboard comes at a excessive annual payment 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, masking manufacturers like Moi Jewels, Zoya, and Bvlgari. The cardboard is basically appropriate for high-income earners.
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Annual Charge: Rs. 66,000 |
Advantages on Gold Spends:
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Different Key Options:
- Keep vouchers value Rs. 45,000 from Taj, SeleQtions and Vivanta Accommodations (topic to cost of becoming a member of payment 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 Accommodations, Reliance Manufacturers Restricted (Luxe Reward Card), Postcard Accommodations & Resorts on spending Rs. 20 Lakh in a 12 months
- Complimentary advantages value Rs. 44,300 at a number of the most interesting accommodations and resorts just like the 4 Seasons Accommodations and Resorts, Mandarin Oriental, The Ritz-Carlton and extra
- 25% off at Taj, SeleQtions and Vivanta Accommodations; 50% off on Suites at Oberoi Accommodations and Resorts
- Free nights, dinner and spa advantages throughout Lalit Group of Accommodations (10 choose properties)
- Complimentary lodge memberships like Accor Plus Traveller Membership, The Postcard Resort 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 Specific World Lounge Assortment (American Specific Lounges, Precedence Cross Lounges, Escape Lounges, The Centurion Lounge, Delta Sky Membership Lounge (when flying Delta) and Different Home Accomplice Lounges in India)
- Unique offers and gives on widespread airways, together with Emirates, Qatar Airways, Virgin Atlantic, Air France, KLM, Delta Airways and rather 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 widespread 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 gas, capped at 5,000 factors monthly
- 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 providers for final minute reservations, help concerning visa and rather more