Which Are The Best Credit Cards For Buying Gold This Diwali And Dhanteras 2025? MyRupaya Exclusive
- Abhijeet Saxena
- Oct 15
- 6 min read
Diwali and Dhanteras are just around the corner. The gold prices are at a all-time high. However, buying gold on Diwali is a ritual in many households that cannot be postponed at any cost. In light of this dilemma, the team at MyRupaya has come up with the top 5 credit cards for buying gold this Diwali and Dhanteras.
No. 1 Swiggy HDFC Credit Card
What Is The Gold Discount On HDFC Swiggy Credit Card?
The card comes with 10% flat cashback offer on all things sold on Swiggy. This not only includes food but also includes everything sold on Swiggy Instamart. Many users have a perception that Swiggy Instamart sells only groceries, however Swiggy Instamart also sells electronics and gold and silver coins and jewellery. It is important to note that 10% cashback is capped at INR 1500, which means that at max the gold which you purchase from Swiggy Instamart cannot exceed INR 15,000.
How To Use HDFC Swiggy Credit Card For Buying Gold?
All you need to do to get a discount on gold purchase using HDFC Swiggy Credit Card is to add gold to your cart on Swiggy app and thereafter select HDFC Swiggy Credit Card as the payment option your cashback amount will be displayed at the bottom (please see image below)
What Are The Other Benefits of HDFC Swiggy Credit Card?
There are a number of other benefits of HDFC Swiggy Credit Card Which We Have Listed Below?
Users will get flat 10% cashback on Swiggy orders (food delivery, groceries, Dineout, Genie), capped at INR 1500 per month.
5% cashback on online shopping across various categories like Amazon, Flipkart, Myntra, BookMyShow, etc., capped at INR 1500 per month.
1% cashback on all other eligible spends, capped at INR 500 per month.
Users will get a free Swiggy One membership for 3 months, with exclusive discounts and benefits like free deliveries and priority customer service.
Annual Fee Reversal: The annual fee of Rs 500 is waived if the user spends Rs 2,00,000 or more in a year.
You can read a detailed review of HDFC Swiggy Credit Card here.
No. 2 HDFC Tata Neu Infinity Credit Card
What Is The Gold Discount On HDFC Tata Neu Infinity Credit Card?
The card offers 5% cashback on purchasing gold from Tanishq. Additionally, if you have Tata Neu Pass, you will get an additional 5% cashback. Tata Neu Pass is a loyalty membership from Tata Neu, it is similar to Prime Membership from Amazon, Neu Pass holders get discounts on allmost all brands within the Tata group. The cashback will be awarded to the cardholder in form of Neu Coins. 1 Neu Coin = INR 1.
How To Use HDFC Tata Neu Infinity Credit Card For Buying Gold?
You can buy gold from Tanishq from the Tanishq website/app or from the Tata Neu App, while checking out remeber to use your Tata Neu Card for payment.
What Are The Other Benefits of 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 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 spends at Tata Neu App/Website and partner Tata Brands,
Extra 5% value back as NeuCoins on select category spends on Tata Neu App/Website. 1.5% value back as NeuCoins on other spends.
10% cashback on ordering food from Zomato or making dineout payment using Zomato app and HDFC Tata Neu Infinity Credit Card.
You can read a detailed review of HDFC Tata Neu Infinity Credit Card here
No. 3 SBI Tata Neu Infinity Credit Card
What Is The Gold Discount On SBI Tata Neu Infinity Credit Card?
The card is near identical to HDFC Tata Neu Infinity Credit Card. The SBI card offers 5% cashback on purchasing gold from Tanishq. Additionally, if you have Tata Neu Pass, you will get an additional 5% cashback. As mentioned above Tata Neu Pass is a loyalty membership from Tata Neu, it is similar to Prime Membership from Amazon, Neu Pass holders get discounts on allmost all brands within the Tata group. The cashback will be awarded to the cardholder in form of Neu Coins. 1 Neu Coin = INR 1.
How To Use SBI Tata Neu Infinity Credit Card For Buying Gold?
You can buy gold from Tanishq from the Tanishq website/app or from the Tata Neu App, while checking out remeber to use your SBI Tata Neu Infinity Card for payment.
What Are The Other Benefits of 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 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 spends at Tata Neu App/Website and partner Tata Brands,
Extra 5% value back as NeuCoins on select category spends on Tata Neu App/Website. 1.5% value back as NeuCoins on other spends.
You can read a detailed review of SBI Tata Neu Infinity Credit Card here.
No. 4 SBI Titan Credit Card
What Is The Gold Discount On Titan SBI 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 case of Tanishq the cashback is only 3%. Tanishq is also part of the Tata group.
How To Use Titan SBI Credit Card For Buying Gold?
You can buy gold from Mia or from Tanishq from the Mia /Tanishq website/app, while checking out remeber to use your Titan SBI Credit Card for payment.
What Are The Other Benefits of Titan SBI Credit Card?
SBI Titan Credit Card offers a number of other benefits which we have listed below:
Welcome Benefit: Welcome gift voucher worth Rs 3,000 from payment of an annual fee.
Reversal of annual fee on spending of Rs 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.
You can read a detailed review of Titan SBI Credit Card here.
No. 5 Reliance SBI Card Prime
What Is The Gold Discount On Reliance SBI Card Prime?
The card offers 2.5% cashback on purchasing goods from a number of Reliance Stores, including Reliance Jewels. You have the option to buy either online or offline. For buying online you can visit the Reliance Jewels website.
How To Use Reliance SBI Card Prime For Buying Gold?
You can buy gold from Reliance Jewels Store while checking out remeber to use your Reliance SBI Card Prime for payment.
What Are The Other Benefits of Reliance SBI Card Prime?
Relince SBI Card Prime offers a number of other benefits which we have listed below:
Welcome Benefit: Users will get a Reliance Retail voucher worth Rs 3,000 as a welcome benefit.
Waiver of renewal fees on an annual spend of Rs Rs 3 Lakhs in the previous year. Rs 1,500/- worth of Reliance Retail vouchers on annual spends of Rs 75,000/- at participating Reliance Retail stores
Users will be awarded 10 points on spending every INR 100 on Reliance Retail stores. Value of 1 point = INR 0.25.
Reliance Retail store cashback rate: 2.5%.
5 points on spend of every INR 100 on dining, movies & entertainment, domestic airlines and international spending. Special Cashback Rate: 1.25%.
2 points on all other retail spends. Effective general cashback rate: 0.5%.
Free 1 movie ticket a month worth Rs 250/.
8 free domestic airport lounges per calendar year (max. 2 each quarter)
4 free international airport lounges per calendar year (max. 2 each quarter).
You can read a more detailed review of the Reliance SBI Card Prime here.
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