Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹15,000 Monthly Gold, Silver & Jewelry Purchases Spend
Top-rated credit cards for ₹15,000/mo spent on Gold, Silver & Jewelry Purchases. #1 HDFC Millennia Credit Card yields ₹2,210 net annual value (1.23% ROI). Compare full 10-card leaderboard.
🥉 Rank #3 Bronze1.16% ROI
Myntra Kotak Credit Card
Kotak Mahindra Bank
Net Annual Value+₹2,083
Full 10-Card Ranked Standings (@ ₹15,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | HDFC Millennia Credit CardHDFC Bank | 0% Excluded | ₹2,210 | Waived (₹0) | +₹2,210 | Apply → |
| #2 | Airtel Axis Bank Credit CardAxis Bank | 0% Excluded | ₹2,794 | ₹590 | +₹2,204 | Apply → |
| #3 | Myntra Kotak Credit CardKotak Mahindra Bank | 0% Excluded | ₹2,673 | ₹590 | +₹2,083 | Apply → |
| #4 | Swiggy HDFC Bank Credit CardHDFC Bank | 0% Excluded | ₹2,650 | ₹590 | +₹2,060 | Apply → |
| #5 | American Express Membership Rewards Credit CardAmerican Express | 0% Excluded | ₹1,955 | Waived (₹0) | +₹1,955 | Apply → |
| #6 | Amazon Pay ICICI Bank Credit CardICICI Bank | 0% Excluded | ₹1,526 | Waived (₹0) | +₹1,526 | Apply → |
| #7 | Ixigo AU Credit CardAU Small Finance Bank | 0% Excluded | ₹1,233 | Waived (₹0) | +₹1,233 | Apply → |
| #8 | Flipkart Axis Bank Credit CardAxis Bank | 0% Excluded | ₹1,714 | ₹590 | +₹1,124 | Apply → |
| #9 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 0% Excluded | ₹1,091 | Waived (₹0) | +₹1,091 | Apply → |
| #10 | HSBC Live+ Credit CardHSBC India | 0% Excluded | ₹2,232 | ₹1,179 | +₹1,053 | Apply → |
| #11 | Standard Chartered Smart Credit CardStandard Chartered Bank | 0% Excluded | ₹986 | Waived (₹0) | +₹986 | Apply → |
| #12 | SBI Cashback Credit CardSBI Card | 0% Excluded | ₹2,088 | ₹1,179 | +₹909 | Apply → |
| #13 | Kiwi RuPay Credit Card with NeonAxis Bank | 0% Excluded | ₹857 | Waived (₹0) | +₹857 | Apply → |
| #14 | SBI SimplyCLICK Credit CardSBI Card | 0% Excluded | ₹850 | Waived (₹0) | +₹850 | Apply → |
| #15 | IndusInd Bank Tiger Credit CardIndusInd Bank | 0% Excluded | ₹760 | Waived (₹0) | +₹760 | Apply → |
| #16 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0% Excluded | ₹755 | Waived (₹0) | +₹755 | Apply → |
| #17 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 0% Excluded | ₹2,326 | ₹1,769 | +₹557 | Apply → |
| #18 | IndusInd Bank Legend Credit CardIndusInd Bank | 0% Excluded | ₹520 | Waived (₹0) | +₹520 | Apply → |
| #19 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 0% Excluded | ₹475 | Waived (₹0) | +₹475 | Apply → |
| #20 | OneCard Metal Credit CardFederal Bank | 0% Excluded | ₹442 | Waived (₹0) | +₹442 | Apply → |
| #21 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0% Excluded | ₹326 | Waived (₹0) | +₹326 | Apply → |
| #22 | BPCL SBI Card OCTANESBI Card | 0% Excluded | ₹922 | ₹1,769 | +-₹847 | Apply → |
| #23 | HDFC Regalia Gold Credit CardHDFC Bank | 0% Excluded | ₹2,100 | ₹2,950 | +-₹850 | Apply → |
| #24 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0% Excluded | ₹864 | ₹1,770 | +-₹906 | Apply → |
| #25 | Axis Bank Atlas Credit CardAxis Bank | 0% Excluded | ₹2,362 | ₹5,900 | +-₹3,538 | Apply → |
| #26 | YES BANK Marquee Credit CardYES BANK | 0% Excluded | ₹2,147 | ₹5,899 | +-₹3,752 | Apply → |
| #27 | ICICI Bank Sapphiro Credit CardICICI Bank | 0% Excluded | ₹311 | ₹4,130 | +-₹3,819 | Apply → |
| #28 | HDFC Diners Club Black Metal EditionHDFC Bank | 0% Excluded | ₹4,331 | ₹11,800 | +-₹7,469 | Apply → |
| #29 | HDFC Infinia Metal EditionHDFC Bank | 0% Excluded | ₹4,331 | ₹14,750 | +-₹10,419 | Apply → |
| #30 | Axis Bank Magnus Credit CardAxis Bank | 0% Excluded | ₹1,763 | ₹14,750 | +-₹12,987 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹15,000/month spent on Gold, Silver & Jewelry Purchases?▼
HDFC Millennia Credit Card ranks #1, generating ₹2,210 gross rewards and ₹2,210 in net annual value (1.23% effective yield) after deducting annual fees.
How does the runner-up compare to the winner?▼
The #2 card is Airtel Axis Bank Credit Card delivering ₹2,204 net annual value. HDFC Millennia Credit Card outperforms it by ₹6/year.
Which credit cards should I avoid for Gold, Silver & Jewelry Purchases?▼
Avoid HDFC Millennia Credit Card, Airtel Axis Bank Credit Card, Myntra Kotak Credit Card, as they provide 0.0% rewards on Gold, Silver & Jewelry Purchases due to bank category exclusions.
Will the annual fee of the winning card be waived?▼
For HDFC Millennia Credit Card at ₹180,000 annual spend, the fee is waived (₹0 effective fee).