January 2026

Last Updated on 1 week ago by Saurabh Buying jewelry is one of the most preferred investment option as well as the most significant expenses for Indian households, especially during weddings or festive seasons. While most banks are tightening their belts and excluding “Gold & Jewelry” from their rewards programs, there are still some “hidden gems” that can save you thousands. Presenting you the 5 Best Credit Cards to Buy Gold Online (working as of ). Before we move forward, if you are interested in Gold and Other Good Deals then checkout our WhatsApp Channel: Good Deals Only  and follow if you like. Now, let’s continue with the blog. Disclaimer: This blog may include partnered links, but this does not affect our rankings or reviews. Our goal is to provide unbiased information to help you make an informed decision. 5 Best Credit Cards to Buy Gold Online In this blog, we’ve reviewed 5 best credit cards to buy gold online and maximize your savings. Based on our analysis of its value back and cost-benefits analysis, here’s our detailed recommendation: 1. SBI Cashback Credit Card: The King SBI Cashback Card offers flat 5% cashback up to ₹2,000/month on any your online spends and on any platform and thus correctly titled as ‘The King of Cashback Cards’ by many netizens.  Apply Now Joining & Annual Fees: ₹999 + GST Payment Offer: 5% Cashback up to ₹2,000/month (W.e.f. 1st April, 2026) on Online Spends 5% Cashback on direct purchases from AJIO for Gold (as of now AJIO doesn’t send different MCC for Gold/Silver) The Hack: Buy gift vouchers for platforms like Tanishq, Kalyan, or Amazon from platforms like CRED App. You get upfront discount plus 5% Cashback on the voucher purchase (online spend), which you then use to buy gold. Fees & Eligibility Joining Fees: ₹999 + 18% GST Annual Fees: ₹999 + 18% GST Eligibility: Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: ₹30,000 Credit Score: Preferable 750+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants More Details Flat 5% cashback on all online spends, without any merchant restrictions.  1% cashback on all offline transactions.  Cashback is auto-credited to your card statement, so there is no hassle of point conversion. Annual fee of ₹999 is waived off on spends of Rs. 2 lakh or more in the previous year. Excluded Categories: Fuel, Insurance, Utility payments, Jewelry, Rent payments, Wallet loads, School/Education fees, and Railway bookings, etc. No Complimentary Lounges (Airport/Railway Lounge) Offered. Cashback Limit Update: W.e.f. 1st April, 2026 the 5% cashback limit is reduced from ₹5,000 (earlier) to ₹2,000 per month. Some Related Tricks and Deals for Gold Purchase shared in Our WhatsApp Channel. Joining Fees: ₹999 + 18% GST Annual Fees: ₹999 + 18% GST Eligibility: Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: ₹30,000 Credit Score: Preferable 750+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants Flat 5% cashback on all online spends, without any merchant restrictions.  1% cashback on all offline transactions.  Cashback is auto-credited to your card statement, so there is no hassle of point conversion. Annual fee of ₹999 is waived off on spends of Rs. 2 lakh or more in the previous year. Excluded Categories: Fuel, Insurance, Utility payments, Jewelry, Rent payments, Wallet loads, School/Education fees, and Railway bookings, etc. No Complimentary Lounges (Airport/Railway Lounge) Offered. Cashback Limit Update: W.e.f. 1st April, 2026 the 5% cashback limit is reduced from ₹5,000 (earlier) to ₹2,000 per month. Some Related Tricks and Deals for Gold Purchase shared in Our WhatsApp Channel. 2. Axis Flipkart Credit Card: 7.5% Cashback Apply Now Joining & Annual Fees: ₹500 + GST (or may offered as First Year Free) Offers: 5% Cashback on Flipkart and 7.5% Cashback on Myntra (up to ₹4,000/quarter) The Hack: With the Flipkart Credit Card, you can claim 7.5% Cashback on Gold Purchase from Myntra (during BLINKDEALs) using the trick shared here in our WhatsApp Channel. Fees & Eligibility Joining Fees: ₹500 + GST (or First Year Free) Annual Fees: ₹500 + 18% GST (Waived off on spends of ₹3,50,000 or more in previous year) General Eligibility: Age: 21 to 65 years Employment: Both salaried and self-employed Salaried Income: ₹15,000/monthly Self Employed: ₹30,000/month Credit Score: 730+ New-to-Credit: Not Allowed More Details 7.5% cashback up to ₹4,000/quarter on Myntra Spends 5% cashback up to ₹4,000/quarter on Flipkart Spends (except Flipkart health) 5% cashback up to ₹4,000/quarter on Cleartrip Spends 4% Unlimited Cashback on Swiggy, PVR, Uber, and Cult.fit 1% Unlimited Cashback on other eligible spends Welcome Benefit: Up to ₹1250 Gift Vouchers (minimum ₹250) depending upon current promotional offers. No Airport/Railway Lounge Access Excluded Categories: Rent, Utilities, Fuel, Insurance, EMI, Jewelry, Govt spends, Wallet loads & similar spends Joining Fees: ₹500 + GST (or First Year Free) Annual Fees: ₹500 + 18% GST (Waived off on spends of ₹3,50,000 or more in previous year) General Eligibility: Age: 21 to 65 years Employment: Both salaried and self-employed Salaried Income: ₹15,000/monthly Self Employed: ₹30,000/month Credit Score: 730+ New-to-Credit: Not Allowed 7.5% cashback up to ₹4,000/quarter on Myntra Spends 5% cashback up to ₹4,000/quarter on Flipkart Spends (except Flipkart health) 5% cashback up to ₹4,000/quarter on Cleartrip Spends 4% Unlimited Cashback on Swiggy, PVR, Uber, and Cult.fit 1% Unlimited Cashback on other eligible spends Welcome Benefit: Up to ₹1250 Gift Vouchers (minimum ₹250) depending upon current promotional offers. No Airport/Railway Lounge Access Excluded Categories: Rent, Utilities, Fuel, Insurance, EMI, Jewelry, Govt spends, Wallet loads & similar spends 3. Tata Neu Infinity Credit Card Apply Now Joining & Annual Fees: ₹1,499 + GST or (maybe offered as Lifetime Free Card) Offers: 5% NeuCoins on Big Basket, Tata Cliq, Tanishq and more. The Hack: Buy Gold Online through Big Basket, Tata Cliq or Tanishq (Online/Offline) and get 5% cashback as NeuCoins. OR buy vouchers through Tata Neu’s Gift Card section and earn 5% or more NeuCoins as cashback with Tata Neu Infinity Credit Card. Fees & Eligibility Joining Fees: First Year