Which Are The Best Credit Cards For Buying Gold This Diwali And Dhanteras 2025? MyRupaya Exclusive
- Abhijeet Saxena
- Oct 15, 2025
- 6 min read
Updated: Jan 2
Diwali and Dhanteras are not too far away. Prices of gold are all time high. Nonetheless, it is a Diwali tradition to purchase gold in most families, and nothing can be delayed at all. Considering this predicament, MyRupaya has created the best 5 credit cards to purchase gold during Diwali and Dhanteras.
No. 1 Swiggy HDFC Credit Card – One of the Best Credit Cards in India
HDFC Swiggy Credit Card gold discount, what is it?
The card will have a 10 per cent cashback rate on everything sold at Swiggy. This does not just cover food, but everything that is being sold on Swiggy Instamart is also covered. Due to the impression that Swiggy Instamart only sells groceries, many users do not know that Swiggy Instamart sells electronics, gold and silver coins and jewellery. It is worth mentioning that no more than 10% cashback could have an upper limit of INR 1500, which implies that you cannot spend over INR 15,000 buying gold at Swiggy Instamart.
Buying gold with an HDFC Swiggy credit card? How?
The only thing you have to do is to add gold to your cart in the Swiggy app and then choose HDFC Swiggy Credit Card as the mode of payment, where the amount of your cashback will be displayed at the bottom (please see image below) to get a discount on the purchase of gold using HDFC Swiggy Credit Card.
What Are The Other Benefits of the HDFC Swiggy Credit Card?
There are a number of other benefits of the HDFC Swiggy Credit Card Which We Have Listed Below?
Users will get a 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 the 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 will provide a cashback of 5% of buying gold in Tanishq. Also, you will get 5% extra cashback when having Tata Neu Pass. Tata Neu Pass Tata Neu has a loyalty membership, Neu Pass, which is comparable to Prime Membership with Amazon. By joining Neu Pass, customers receive discounts on nearly every brand of Tata. The cashback will be given to the cardholder as Neu Coins, 1 Neu Coin = INR 1.
What is the Use of the HDFC Tata Neu Infinity Credit Card to purchase gold?
You may purchase gold at Tanishq on the Tanishq site/application or the Tata Neu application. When you make a payment, do remember to use the Tata Neu Card.
What are the other advantages of the HDFC Tata Neu Infinity Credit card?
One of the most loaded credit cards in India is the HDFC Tata Neu Infinity credit card:
Welcome Benefit: The users will receive 499 NeuCoins when they make its 1 st transaction within 30 days of card issuance and can redeem them within Tata Neu App after 60 days of such a transaction.
The customers will also receive 8 free domestic lounge access every calendar year and receive up to 4 free international lounge access every calendar year.
Reward System: 1 NeuCoin = Rs. 1 savings, users will receive 5% value back in their NeuCoin wallet on spending in the Tata Neu App/Website and partner Tata Brands.
5% value back as NeuCoins on certain category spends on the Tata Neu App/Website. Value back of other spends is 1.5%.
Zomato offers 10 per cent cashback on Zomato ordering food or bearing dine out bills with the help of 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
No. 3 SBI Tata Neu Infinity Credit Card
What is the SBI Tata Neu Infinity Credit Card Gold Discount?
The card is almost the same as the HDFC Tata Neu Infinity Credit Card. The SBI card will come with a 5 per cent cashback when buying gold in Tanishq. Moreover, you will receive an extra 5% cashback if you have a Tata Neu Pass. As stated in the paragraph above, Tata Neu Pass is a loyalty membership of Tata Neu. It can be compared with the Prime Membership of Amazon, since with Neu Pass, one receives a discount on nearly all brands in the Tata group. The cashback will be given to the cardholder as Neu Coins, 1 Neu Coin = INR 1.
What is the best way to buy gold using an SBI Tata Neu Infinity credit card?
Tanishq offers gold at Tanishq on the Tanishq site/app or at the Tata Neu App, and by using remember to remit using the SBI Tata Neu Infinity Card.
What are the other advantages of the SBI Tata Neu Infinity Credit card?
SBI Tata Neu Infinity Credit Card is a credit card with one of the most loaded credit cards in India.
Welcome Benefit: The users will receive 499 NeuCoins on the Tata Neu app on the 1 st transaction completed within 30 days of issuance of the card, and will be eligible to claim within 60 days of the transaction in the Tata Neu App.
There are also 8 free domestic lounge access and up to 4 free international lounge access on an 8-year calendar year basis, also given to customers.
Reward System: 1 NeuCoin = Rs. 1 savings, users will recoup 5% worth in NeuCoins in 2015 on spending at the Neu App/Website and partner Tata Brands.
Additional 5% is refunded in the form of NeuCoins on select category spends on the Tata Neu App/Website. 1.5% value back in the form of NeuCoins on other spends.
You can read a detailed review of the SBI Tata Neu Infinity Credit Card here.
No. 4 SBI Titan Credit Card
How much is the gold discount in titan SBI credit card?
The card will provide a 5 per cent cash back on the purchase of gold, both jewellery and gold coins, with Mia. The brand Mia is a jewellery production segment of the Tata Group. Tanishq is also capable of purchasing gold and gold jewellery by its cardholders, but in comparison with Tanishq, the cashback is just 3%. Tata is also the group that owns Tanishq.
Use of Titan SBI Credit Card To Buy Gold?
You may purchase gold with Mia or with Tanishq on the Mia /Tanishq website/app. When you check out, remember to use your Titan SBI Credit Card to pay.
What Are The Other Advantages of the Titan SBI Credit Card?
The SBI Titan credit card has several other benefits as listed below:
Welcome Benefit: Take a welcome gift voucher of Rs 3,000 by paying a yearly fee.
The annual fee on the spending of Rs Rs 3 Lakhs in a year is reversed.
The Tanishq gift vouchers will 3% cashback to customers on their quarterly expenditure.
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 the 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 several 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 the Reliance SBI Card Prime?
Reliance SBI Card Prime offers several 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 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 for 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 spending 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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