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Best way to buy gold jewellery offline

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Deal Subedar
Vijay_Thalap...
There are multiple jewellery stores , which is best store also which is best way to buy gold jewellery offline using cc ?

i have amex , hdfc ,icici ,idfc. cc's.
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How much gift cards they accept?

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@Desidime User

Never buy GV for offline stores until you talk to the bill counter. It's very risky, if they don't accept it.

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For amount <₹20000, go with Amex (MRCC), ask them to do 4 txn of ₹5000, it would fetch ~5%.

For greater than ₹20000, use idfc cc for ~2% return on spends about ₹25k for idfc first select cc.

Play around with these cards for amount lesser than ₹50000. If around ₹100000, then try combination of amex+hdfc/idfc

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@Desidime User I did purchase using idfc first select cc in joyallukas.
I don't hold hdfc cc.

Which store and location?? Usually all big stores will allow, just request. I have split it at Malabar, joyallukas, tanishq multiple txns .
They just want money to be paid.
I have tried in multiple locations both in tier 1 and tier 3 cities.
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@curiosityfreak2020980

Tq. Hyd, lalitha jewellers, i ll ask next time

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Finance Mentor Finance Mentor
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HDFC sends emails for 5% cb offers on partner jewellery stores around festivals... CC: millennia gives 1% (upto 1k, plus 1L milestone in quarter gives 1k GV)) and neucard 1.5% on top of it...

Dunno about other banks or higher hdfc cards...

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I heard hdfc is going to stop 1k egv on quarter spends for millennia cc from jan 2024. 

Only lounge access

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Deal Lieutenant Deal Lieutenant
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Amazon pay ICICI card gives 1% cashback.

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Op you just mentioned bank names, pls mention cc names also.

If you want to know which store is good, then add your city name also

Then only dimers can suggest you

Deal Cadet Deal Cadet
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Buy gift card from magicpin

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How much gift cards they accept?

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For amount <₹20000, go with Amex (MRCC), ask them to do 4 txn of ₹5000, it would fetch ~5%.

For greater than ₹20000, use idfc cc for ~2% return on spends about ₹25k for idfc first select cc.

Play around with these cards for amount lesser than ₹50000. If around ₹100000, then try combination of amex+hdfc/idfc

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Tq. Is idfc giving rp for gold purchases?

And which hdfc cc?

They are not allowing to split bill amount to use 2 r 3 cc sad

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Commentator Commentator
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Buy vouchers online. Check carefully whether the voucher is for gold or diamond or gold coin and offline or online acceptable. Most CC won't give reward points for gold purchase.

You should atleast mention which city and what stores are there for meaningful suggestions. In Bangalore, I find tanishq is the best. Unmatched finishing and making but making charges and gold charges are expensive. Malabar is very good in terms of collections and can bargain on making charges.

Deal Subedar Deal Subedar
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it's Hyderabad , almost all gold stores are present here.
Deal Cadet Deal Cadet
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hdfc infinia gives 3.3 percent rewards

Wingman Wingman
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i have

Deal Cadet Deal Cadet
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I would suggest using tata neu infinity and try to buy from tanishq. I got 5% neucoins on total bill amount. Also for old gold exchange try tanishq or equivalent big store which has computerized machine for inspecting gold quality ie karat.

Deal Newbie Deal Newbie
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Hi bro. Did u buy it online or offline at a store?

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Deal Subedar Deal Subedar
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I tried once with Indusind Legend credit card on weekend and got 2% CB.

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AU LIT 4%+ cashback.

Deal Cadet Deal Cadet
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Can you explain this?....10x can be equivalent to 2%

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Deal Cadet Deal Cadet
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SBI credit card is the best during Dhanteras and Akshay Tritiya. This year they provided 5% upto 2500 cashback for Reliance jewels and flat Rs 4000 cashback for orders above 80000 in Tanishq. Their brand list is exhaustive when you search for offers in big cities.


Deal Cadet Deal Cadet
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if you don't need urgently, you can take a scheme in grt and use amex rewards to pay and do 4 transactions of 5000 Rs every month.

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I asked in malabar. For this scheme, nd 2 split, they said they don't accept amex sad

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Deal Cadet Deal Cadet
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Mostly reward & cash back offer are not on jewellery & gift cards.

Try to get offer via paytm gift card.. They mostly work in offline store. I tried on kalyan, tanishq couples of time.

Deal Subedar Deal Subedar
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can u please elaborate ?
should I buy Paytm jewellery gifts cards ?
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Benevolent Benevolent
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How about sbi click or hdfc regalia?

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Tataneu plus gives 1.5% coins for gold purchase offline?

replyuser
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