Check Credit Card Offers On Gold Purchase

Purchasing gold, whether in the form of jewellery or coins, is considered to be one of the popular investment options in India. Understanding the cultural and financial significance of gold in Indian households, credit card lenders extend several offers on gold purchases.

 

Here are some of the top credit cards in India in 2025 that come with exciting offers on gold purchase.

Purchasing gold with a credit card is a simple and hassle-free process. When you visit a jewellery store or try to purchase gold through online platforms, you can choose ‘Credit Card’ as a method of payment. 

 

At the billing counter or the checkout page, enter your credit card details. If applicable, choose any of the available offers or rewards you want to redeem during the transaction. Then complete the transaction as prompted.

Here are some of the top credit card offers on gold purchase:

Lets check out the credit card offers in details, understanding the terms and conditions:

IndusInd Bank – Kalyan Jewellers Offer

IndusInd Bank credit cardholders can get a flat 25% discount on making charges when purchasing gold jewellery worth a minimum of ₹75,000 at Kalyan Jewellers stores across India.

 

Offer Details:

1. The offer is valid exclusively at Kalyan Jewellers stores in India

2. It applies only to gold jewellery purchases

3. The offer does not cover gold and silver coins or other types of jewellery

4. It cannot be combined with any of the ongoing store offers at Kalyan Jewellers

5. The offer is valid from 25th April to 31st March 2025

Axis Bank – GIVA Offer

Axis Bank credit cardholders can get up to ₹200 off on a minimum purchase of ₹799 at GIVA Jewellery. This offer is valid until 30th September 2025.

 

Offer Details:

• The offer cannot be combined with any other discount or promo code

• Orders placed using this code cannot be modified after purchase

• This offer is valid only in India

 

Steps to Get the Offer:

1. Visit official website of GIVA Jewellery

2. Select the jewellery of your choice

3. Proceed to checkout and apply the coupon code ‘AXIS200’ in the ‘Discount Code’ field

4. The discount of ₹200 will be applied to your purchase

5. Complete the payment using an Axis Bank credit card

Axis Bank – Mellora Offer (Flat ₹1800 Off)

Axis Bank credit cardholders can save ₹1800 on a minimum purchase of ₹25,000 at Mellora. This offer is applicable exclusively on diamond jewellery and cannot be used for gold coins, gold products, or solitaires. If any restricted item is added to the cart along with the jewellery, the discount will not be applied.

 

How to Get the Offer Online:

1. Visit Mellora’s website or use the Melorra App

2. Browse and choose your preferred diamond jewellery

3. Add your selection to the cart

4. Apply the coupon code ‘RUPAY1800’ at checkout

5. Proceed to payment and complete the transaction

 

How to Get the Offer at Stores:

1. Visit a Melorra store

2. Select the diamond jewellery of your choice.

3. Provide the ‘RUPAY1800’ coupon code at the billing counter

4. Complete the payment using an Axis Bank credit card

 

This offer is valid once per customer per channel (online & offline) during the promotional period.

Axis Bank – Mellora Offer (Flat ₹3000 Off)

Axis Bank credit cardholders can get a flat ₹3000 discount on diamond jewellery purchases worth ₹40,000 or more at Mellora. This offer remains valid only for diamond jewellery and is not applicable on gold coins, gold products, or solitaires.

 

Steps to Get the Offer Online:

1. Visit the official website of Melorra or use the Melorra App

2. Select your desired diamond jewellery pieces

3. Add the items to your cart

4. Enter the coupon code at checkout

5. Complete your payment using an Axis Bank credit card

 

Steps to Get the Offer at Melorra Stores:

1. Visit the nearest Melorra store

2. Pick your preferred diamond jewellery

3. Mention the coupon code during billing

4. Pay using an Axis Bank credit card

 

Each customer can redeem this offer once per channel (online & offline) during the promotional period.

Axis Bank – Mellora Offer (Flat ₹7000 Off)

Axis Bank credit cardholders can unlock a flat ₹7000 discount when purchasing diamond jewellery worth ₹90,000 or more at Mellora. The discount excludes gold coins, gold products, and solitaires—adding these to your cart will void the offer.

 

Accessing the Offer Online:

1. Go to official website of Melorra or use the Melorra App

2. Select the diamond jewellery you want to buy

3. Add the jewellery to your cart

4. Apply the coupon code before proceeding to payment

5. Complete the purchase using an Axis Bank credit card

 

Getting Access to the Offer at Melorra Stores:

• Visit a Melorra store near you

• Choose your diamond jewellery selection

• Provide the coupon code during billing

• Make the final payment using an Axis Bank credit card

 

This offer is limited to one-time redemption per customer per channel (online & offline).

There are several factors such as, interest rates and processing fees, you need to consider when buying gold with a credit card. 

 

Here are the factors in detail:

Interest Rates

Credit cards often come with significant interest charges on outstanding balances. You need to ensure to make the repayment in time to avoid any such charge. Besides, before finalising your gold jewellery purchase, carefully review the charges for gold purchase on credit card, if any.

Credit Limit Assessment

Verify your credit card's available credit limit before making the purchase. Ensure the limit comfortably covers the entire cost of the gold jewellery you intend to buy. 

Repayment Tenure Evaluation

If you're considering purchasing gold jewellery through Equated Monthly Instalments (EMI), thoroughly examine the repayment tenure. Credit card providers typically offer flexible tenures ranging from 3 to 24 months.

Processing Fee Awareness

Many credit card providers levy processing fees for EMI transactions. These fees can incrementally increase your total purchase cost. Understand these additional expenses to make an informed financial decision.

Follow the below steps to purchase gold with a credit card:

1. Select a reputable jewellery store or online platform offering gold jewellery

2. Choose 'Credit Card' as your preferred payment method

3. Navigate to the billing counter or checkout page

4. Enter your credit card details accurately

5. Review and apply any available credit card offer or reward point

6. Confirm and complete the transaction as guided by the payment system