Tanishq Golden Harvest Plan Payment

158°
Deal Cadet
ashb009

Hi guys,

I have registered for Tanishq Golden Harvest Plan which gives 7.5% returns per year.

If you invest 10,000 × 10 months. You get 1,00,000 + 7500 (valid on gold purchase) the 13th month. Say Jan 2022 to Oct-2022 will give you 1,07,500 in Jan 2023.

Link here: https://www.tanishqgoldenharvest.co.in/onlin...me

I have two 10,000 Rs. installments that I pay monthly so what’s the best card to do it’s payment for maximum benefi?

I have following cards:
SBI SimplyClick
HDFC MoneyBack+
• Amazon Pay ICICI
ICICI Platinum
• Flipkart Axis

Willing to apply for other card if it gives benefits smile


Please help!

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Deal Subedar Deal Subedar
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you can invest upto Rs. 999,999,999,999,000 per month by typing manually. For above that you need to use arrow keys. 😛

Pro Shopping Friend Pro Shopping Friend
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Amex MRCC or BoB Eterna

Deal Lieutenant Deal Lieutenant
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Upto 7.5% returns? How much actually does it give?

Deal Lieutenant Deal Lieutenant
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upto 7.5% returns per year

bas yeh shabd sunke hi i am out

Critic Critic
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Scheme

You invest 2K every month for 10 mths. You get 21.5K in the 13th mth 


Deal Cadet Deal Cadet
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kukdookoo wrote:

upto 7.5% returns per year

bas yeh shabd sunke hi i am out

7500 on 1 lacs exactly. But the only catch is you can request 1,00,000 back as GV and use that 7500 to purchase gold only. or buy Gold worth 1,07,500. These looked like scam to me too but it really works. My friend’s mom and dad have been doing the same for years. This is a good thing if you want to buy gold for future/marriage stuff smile

Deal Cadet Deal Cadet
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caks2006407 wrote:

Amex MRCC or BoB Eterna

How much do we get back on those? 1-2% or something?

Deal Cadet Deal Cadet
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instead you can buy gold coins during amazon/flipkart sale

Deal Lieutenant Deal Lieutenant
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ashb009 wrote:

7500 on 1 lacs exactly. But the only catch is you can request 1,00,000 back as GV and use that 7500 to purchase gold only. or buy Gold worth 1,07,500. These looked like scam to me too but it really works. My friend’s mom and dad have been doing the same for years. This is a good thing if you want to buy gold for future/marriage stuff smile

it is legal scam should be avoided 22g

Critic Critic
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The IRR is around 10% but the catch is that you can only purchase gold, that too at the prices of that time, that too jewellery and not bar/coin. And the extra amount is not paid in hand but given as a “discount” on the purchase price of jewellery. 

Deal Cadet Deal Cadet
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Post updated to avoid confusion. Give suggestions about Credit Cards that might give 2% or something on those installments payment guys smile
Note: The vendor is Titan Jewellery on payment gateway and the gateway is RazorPay.

Deal Captain Deal Captain
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kukdookoo wrote:

it is legal scam should be avoided 22g

No bro, it’s real, my friend told me about this when he used to work their….also the interest you earn is nothing and the making charges are very high..

Deal Cadet Deal Cadet
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kukdookoo wrote:

it is legal scam should be avoided 22g

Not a scam tbh bhai. Sounds like a good plan to avoid making charges while buying Gold from Tanishq.

Critic Critic
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ashb009 wrote:

Post updated to avoid confusion. Give suggestions about Credit Cards that might give 2% or something on those installments payment guys smile
Note: The vendor is Titan Jewellery on payment gateway and the gateway is RazorPay.

Stick with simplyclick, you will get 1.25% & within a year you will also achieve the 1 lakh online spend milestone for which you will also get a 2k cleartrip GV (assuming you don’t use simplyclick much so without this spend you wouldn’t have achieved 1 lakh milestone anyway).

Deal Subedar Deal Subedar
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ashb009 wrote:

Not a scam tbh bhai. Sounds like a good plan to avoid making charges while buying Gold from Tanishq.

How would be making charged be avoided in this scenario?

Deal Captain Deal Captain
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You can get better rate then this, and if this store shut’s down the money will also be lost.

Instead you can buy coins whenever deal comes with bank offers and you can save more than this.

Deal Cadet Deal Cadet
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Manitian wrote:

How would be making charged be avoided in this scenario?

The extra interest that we are getting aka 7500. Sounds a bit lame but profit is profit haha. Technically buying Gold without making charges and taxes after a year of savings.

Deal Cadet Deal Cadet
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Cody wrote:

You can get better rate then this, and if this store shut’s down the money will also be lost.

Instead you can buy coins whenever deal comes with bank offers and you can save more than this.

Let’s be a bit realistic there’s really no way Tanishq can shut down. Sounds impossible. It’s backed by a lot of giants.
But I agree Gold can be purchased on sales.

Deal Newbie Deal Newbie
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ashb009 wrote:

The extra interest that we are getting aka 7500. Sounds a bit lame but profit is profit haha. Technically buying Gold without making charges and taxes after a year of savings.

Why do you say without making charges? Also, if it is only allowed to buy jewellery, then there would be making charges and that too would be quite high compared to local jewellers.

Chennai Super Kings Chennai Super Kings
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Need more inputs and sound financial advice on this scheme from fellow dimers as it was being pushed by Tanishq store sales woman after my recent gold jewellery purchase last month…….😊

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