Top 5 Credit Cards for Buying Jewellery with Heavy Discounts (2025) — MyRupaya Exclusive
- Anusha Madda
- Oct 21
- 8 min read
It is the season of celebration - and so are glittering gold, diamond, and jewelry offers! You can either spend the holidays with a major festive buy or just a bit of bling to your wardrobe, a cashback, NeuCoins, or even a special brand discount can save you thousands of rupees by using the right credit card.
MyRupaya has compiled a list of the Top 5 Credit Cards to Buy Jewellery with Heavy Discounts 2025 to help you spend your money wisely.
Now we are going to take a look at the top cards so that your next jewellery shopping will be smart, rewarding, and value-filled.
1. HDFC Tata Neu Infinity Credit Card
The HDFC Tata Neu Infinity credit card is also among the most potent credit cards in the Indian co-brand market, particularly when you make purchases on Tata-owned brands such as Tanishq and Mia by Tanishq.
What Is the Jewellery Discount on the HDFC Tata Neu Infinity Card?
When purchasing jewellery with Tata brands (such as Tanishq, Mia, or Caratlane) on the Tata Neu App, you get:
The card offers 5% cashback on purchasing gold from Tanishq, Mia, and Caratlane.
If you have a Tata Neu Pass, you will get an additional 5% cashback
The cashback will be awarded to the cardholder in the form of Neu Coins. 1 Neu Coin = INR 1.
How to use the HDFC Tata Neu Infinity Credit Card to purchase Jewellery?
Log in to the Tata Neu App or enter a Tanishq store.
Add jewellery of your choice to the cart.
Select the HDFC Tata Neu Infinity Credit Card at the point of purchase.
Make sure that you are logged in using your Tata Neu ID to get NeuCoins.
Redeem NeuCoins for future jewellery or Tata brand purchases.
Pro Tip: During festive sales like Akshaya Tritiya, Dhanteras, and Diwali, combine your NeuCoins with store offers for double benefits.
What Are The Other Benefits of the HDFC Tata Neu Infinity Credit Card?
HDFC Tata Neu Infinity Credit Card is one of the most loaded credit cards in India:
Welcome Benefit: Users will get 499 NeuCoins on the Tata Neu app on 1st transaction done within 30 days of card issuance, and will be available to claim inside the Tata Neu App within 60 days of such transaction.
Customers also get 8 complimentary domestic lounge access per calendar year and also avail up to 4 complimentary international lounge access per calendar year.
Reward System: 1 NeuCoin = Rs. 1 savings, users will get 5% value back as NeuCoins on spending at the Tata Neu App/Website and partner Tata Brands.
Extra 5% value back as NeuCoins on select category spends on the Tata Neu App/Website. 1.5% value back as NeuCoins on other spends.
10% cashback on ordering food from Zomato or making a dineout payment using the Zomato app and HDFC Tata Neu Infinity Credit Card.
You can read a detailed review of the HDFC Tata Neu Infinity Credit Card here
2. SBI Tata Neu Infinity Credit Card
The SBI Tata Neu Infinity Credit Card will provide the same powerful Tata system advantages, with the power of SBI Card, with its large network of acceptance and service.
What is the Jewellery Discount on the SBI Tata Neu Infinity Card?
The SBI card offers 5% cashback on purchasing gold from Tanishq Mia, Caratlane.
Additionally, if you have a Tata Neu Pass, you will get an additional 5% cashback.
The cashback will be awarded to the cardholder in the form of Neu Coins. 1 Neu Coin = INR 1.
It is an ideal card when you wish to have a combination of better rewards and convenience that SBI supports.
How to Use the SBI Tata Neu Infinity Credit Card for Buying Jewellery?
1. Use the Tata Neu App that is connected to your SBI card or visit the Store of Tanishq, Caratlane, or Tata Cliq Luxury.
2. Select your SBI Tata Neu Infinity card during checkout.
3. Earn and manage NeuCoins in the Tata Neu App.
4. Turn effective jewellery buys into free EMIs through the SBI Card app.
Pro Tip: Keep an eye on SBI Festive Delights campaigns. SBI has them regularly, with some even offering additional NeuCoin and cashback vouchers on Tanishq purchases.
What Are The Other Benefits of the SBI Tata Neu Infinity Credit Card?
SBI Tata Neu Infinity Credit Card is one of the most loaded credit cards in India:
Welcome Benefit: Users will get 499 NeuCoins on the Tata Neu app on 1st transaction done within 30 days of card issuance, and will be available to claim inside the Tata Neu App within 60 days of such transaction.
Customers also get 8 complimentary domestic lounge access per calendar year and also avail up to 4 complimentary international lounge access per calendar year.
Reward System: 1 NeuCoin = Rs. 1 savings, users will get 5% value back as NeuCoins on spending at the Tata Neu App/Website and partner Tata Brands.
Extra 5% value back as NeuCoins on select category spends on the Tata Neu App/Website. 1.5% value back as NeuCoins on other spends.
You can read a detailed review of the SBI Tata Neu Infinity Credit Card here.
3. SBI Titan Credit Card
The SBI Titan credit card is tailored made jewellery and lifestyle shoppers and has special privileges whenever you purchase in the brands of the Titan group, including Tanishq.
What Is the Jewellery Discount on the SBI Titan Credit Card?
The card offers 5% cashback on buying gold, including jewellery and gold coins from Mia. Mia is a jewellery brand part of the Tata Group
Cardholders can also buy gold and gold jewellery from Tanishq, however, in the case of Tanishq, the cashback is only 3%.
Receive 5% value back on other brands of Titan (Fastrack, Skinn, etc.).
Get exclusive Titan loyalty program benefits and sale preview.
The card will suit all people interested in buying jewellery regularly, as well as enjoying high-quality products and brand advantages.
How to Use the SBI Titan Credit Card for Buying Jewellery?
Visit Tanishq stores or shop online via the Titan or Tata Neu platform.
Pay using your SBI Titan Credit Card.
You can receive your discount in the form of cashback or immediately (depending on the type of offer).
Track benefits via your SBI Card account or email offers.
Pro Tip: Sign up for Titan Encircle loyalty and link it with your SBI Titan Card — double up your points and discounts on every jewellery buy!
What Are The Other Benefits of the Titan SBI Credit Card?
SBI Titan Credit Card offers several other benefits, which we have listed below:
Welcome Benefit: Welcome gift voucher worth Rs 3,000 from the payment of an annual fee.
Reversal of annual fee on spending of Rs. 3 Lakhs in a year.
Users will get 3% cashback in the form of gift vouchers via Tanishq on quarterly spending.
5% cashback on Mia, Caratlane & Zoya each quarter.
7.5% cashback on World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth & Sonata.
6 reward points on all other spends, 1 reward point = INR 0.25. General cashback rate: 1.5%.
8 free lounge visits, 2 per quarter.
To know more details about the card and the unbiased AI score of the card, click here.
4. HDFC Tata Neu Plus Credit Card
The HDFC Tata Neu Plus Credit Card is the cheaper brother of the Infinity card, but it still has good benefits to offer, ideal for those who would want to get good rewards without paying a high annual fee.
What Is the Jewellery Discount on the HDFC Tata Neu Plus Card?
Earn 2% NeuCoins on Tata brands, including Tanishq, Mia, and Caratlane.
Obtain more NeuCoins on NeuDays and on festival promotions.
Bank-wide HDFC festive offers (instant cashback, zero-cost EMIs, etc.).
The higher NeuCoins received by the Infinity card, the Plus variant, however, makes sure to receive great value without premium charges.
How to Use HDFC Tata Neu Plus Credit Card for Buying Jewellery?
Log in to Tata Neu and select your jewellery.
Make a payment with the HDFC Tata Neu Plus Card.
Earn NeuCoins on purchase in 3 days.
Use your NeuCoins to buy future Tanishq or Tata.
Pro Tip: combine HDFC Festive Treats promotions with Tata Neu sales to maximize the total savings - it is a brilliant pairing for fast shoppers.
What Are The Other Benefits of the HDFC Tata Neu Plus Credit Card?
Welcome Benefit: Users will get 499 NeuCoins on the Tata Neu app, applicable on 1st transaction done within 30 days of card issuance, and will be available to claim inside the Tata Neu App within 60 days of such transaction.
1 NeuCoin = ₹1, redeemable on the Tata Neu App.
2% cash back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands.
1% cash back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends.
1% cash back as NeuCoins on UPI spends (including spends on partner Tata Brands) - maximum of 500 NeuCoins per calendar month.
7% cash back as NeuCoins on selected categories on the Tata Neu App/Website, post downloading the Tata Neu App.
To know more details about the card and the unbiased AI score of the card, click here
5. SBI Tata Neu Plus Credit Card
The SBI Tata Neu Plus Credit Card is tailored to satisfy the consumers who admire the Tata ecosystem but prefer a simple card that has good reward value, no frills.
What Is the Jewellery Discount on the SBI Tata Neu Plus Card?
Get 2% of the NeuCoins of Tata brands like Tanishq.
Other festive cashbacks with the SBI Card Festive platform.
Simple EMI on big jewellery orders.
It is the best option for ordinary Tata buyers who desire consistency in reward and the lack of effort.
How to Use the SBI Tata Neu Plus Credit Card for Buying Jewellery?
Shop on the Tata Neu App or Tanishq retail outlets.
Choose your SBI Tata Neu Plus Card in billing.
Earn NeuCoins automatically credited to your account.
Redeem on your subsequent purchase of the Tata brand.
Pro Tip: Keep an eye on Tata Neu’s “Super Thursday” or SBI's “Cashback Carnival” offers for limited-time jewelry deals.
What Are The Other Benefits of the SBI Tata Neu Plus Credit Card?
Welcome benefit: Users will get 499 NeuCoins on the Tata Neu app after the payment of the joining fee.
Annual fee reversal on yearly spends of 1 lakh or more.
Reward System: 1 NeuCoin = Rs. 1 savings, users will get 2% value back as NeuCoins on spending at Tata Neu App/Website and partner Tata Brands.
Extra 5% value back as NeuCoins on select category spends on the Tata Neu App/Website.
1% value back as NeuCoins on other spends, including UPI transactions.
Users can also avail themselves of 4 complimentary domestic lounge access per calendar year, i.e., 1 per quarter, after spending Rs. 50,000 in the previous quarter.
To know more details about the card and the unbiased AI score of the card, click here
Conclusion
Purchasing jewelry is not a purchase, but rather a feeling. It is even more special when you are rewarded as you spend, whether it is a festive gift, a wedding piece, or a personal treat.
The HDFC Tata Neu Infinity and SBI Tata Neu Infinity cards have the best NeuCoin rewards and premium benefits in case you shop frequently at Tanishq, Caratlane, or Mia. The SBI Titan Credit Card is the best choice for those who like direct discounts. The card has Tanishq exclusive offers and brand tie-ups.
And in case you want to spend less, the HDFC Tata Neu Plus and SBI Tata Neu Plus cards will still guarantee you some gains without having to pay heavy fees annually.
During the season, therefore, do not simply purchase jewelry; purchase smart jewelry. You can make your purchase even more rewarding by using these best credit cards, and have every sparkle be accompanied by a saving.
MyRupaya Tip: To access bonus promotions that are not shown on your payment, make sure to compare the latest deals on the Tata Neu app or SBI Card portal.
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