Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹75,000 Monthly Gold, Silver & Jewelry Purchases Spend
Top-rated credit cards for ₹75,000/mo spent on Gold, Silver & Jewelry Purchases. #1 HDFC Diners Club Black Metal Edition yields ₹21,655 net annual value (2.41% ROI). Compare full 10-card leaderboard.
🥇 Rank #1 Gold2.41% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹21,655
🥈 Rank #2 Silver1.49% ROI
Myntra Kotak Credit Card
Kotak Mahindra Bank
Net Annual Value+₹13,365
Full 10-Card Ranked Standings (@ ₹75,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | HDFC Diners Club Black Metal EditionHDFC Bank | 0% Excluded | ₹21,655 | Waived (₹0) | +₹21,655 | Apply → |
| #2 | Myntra Kotak Credit CardKotak Mahindra Bank | 0% Excluded | ₹13,365 | Waived (₹0) | +₹13,365 | Apply → |
| #3 | Swiggy HDFC Bank Credit CardHDFC Bank | 0% Excluded | ₹13,248 | Waived (₹0) | +₹13,248 | Apply → |
| #4 | Airtel Axis Bank Credit CardAxis Bank | 0% Excluded | ₹12,648 | Waived (₹0) | +₹12,648 | Apply → |
| #5 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 0% Excluded | ₹11,628 | Waived (₹0) | +₹11,628 | Apply → |
| #6 | HSBC Live+ Credit CardHSBC India | 0% Excluded | ₹11,160 | Waived (₹0) | +₹11,160 | Apply → |
| #7 | HDFC Millennia Credit CardHDFC Bank | 0% Excluded | ₹11,052 | Waived (₹0) | +₹11,052 | Apply → |
| #8 | HDFC Regalia Gold Credit CardHDFC Bank | 0% Excluded | ₹10,498 | Waived (₹0) | +₹10,498 | Apply → |
| #9 | SBI Cashback Credit CardSBI Card | 0% Excluded | ₹10,440 | Waived (₹0) | +₹10,440 | Apply → |
| #10 | American Express Membership Rewards Credit CardAmerican Express | 0% Excluded | ₹9,774 | Waived (₹0) | +₹9,774 | Apply → |
| #11 | Flipkart Axis Bank Credit CardAxis Bank | 0% Excluded | ₹8,568 | Waived (₹0) | +₹8,568 | Apply → |
| #12 | Amazon Pay ICICI Bank Credit CardICICI Bank | 0% Excluded | ₹7,632 | Waived (₹0) | +₹7,632 | Apply → |
| #13 | HDFC Infinia Metal EditionHDFC Bank | 0% Excluded | ₹21,655 | ₹14,750 | +₹6,905 | Apply → |
| #14 | Ixigo AU Credit CardAU Small Finance Bank | 0% Excluded | ₹6,165 | Waived (₹0) | +₹6,165 | Apply → |
| #15 | Axis Bank Atlas Credit CardAxis Bank | 0% Excluded | ₹11,808 | ₹5,900 | +₹5,908 | Apply → |
| #16 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 0% Excluded | ₹5,454 | Waived (₹0) | +₹5,454 | Apply → |
| #17 | Standard Chartered Smart Credit CardStandard Chartered Bank | 0% Excluded | ₹4,932 | Waived (₹0) | +₹4,932 | Apply → |
| #18 | YES BANK Marquee Credit CardYES BANK | 0% Excluded | ₹10,737 | ₹5,899 | +₹4,838 | Apply → |
| #19 | BPCL SBI Card OCTANESBI Card | 0% Excluded | ₹4,608 | Waived (₹0) | +₹4,608 | Apply → |
| #20 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0% Excluded | ₹4,320 | Waived (₹0) | +₹4,320 | Apply → |
| #21 | Kiwi RuPay Credit Card with NeonAxis Bank | 0% Excluded | ₹4,284 | Waived (₹0) | +₹4,284 | Apply → |
| #22 | SBI SimplyCLICK Credit CardSBI Card | 0% Excluded | ₹4,248 | Waived (₹0) | +₹4,248 | Apply → |
| #23 | IndusInd Bank Tiger Credit CardIndusInd Bank | 0% Excluded | ₹3,798 | Waived (₹0) | +₹3,798 | Apply → |
| #24 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0% Excluded | ₹3,773 | Waived (₹0) | +₹3,773 | Apply → |
| #25 | IndusInd Bank Legend Credit CardIndusInd Bank | 0% Excluded | ₹2,601 | Waived (₹0) | +₹2,601 | Apply → |
| #26 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 0% Excluded | ₹2,376 | Waived (₹0) | +₹2,376 | Apply → |
| #27 | OneCard Metal Credit CardFederal Bank | 0% Excluded | ₹2,210 | Waived (₹0) | +₹2,210 | Apply → |
| #28 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0% Excluded | ₹1,629 | Waived (₹0) | +₹1,629 | Apply → |
| #29 | ICICI Bank Sapphiro Credit CardICICI Bank | 0% Excluded | ₹1,557 | Waived (₹0) | +₹1,557 | Apply → |
| #30 | Axis Bank Magnus Credit CardAxis Bank | 0% Excluded | ₹8,813 | ₹14,750 | +-₹5,937 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹75,000/month spent on Gold, Silver & Jewelry Purchases?▼
HDFC Diners Club Black Metal Edition ranks #1, generating ₹21,655 gross rewards and ₹21,655 in net annual value (2.41% effective yield) after deducting annual fees.
How does the runner-up compare to the winner?▼
The #2 card is Myntra Kotak Credit Card delivering ₹13,365 net annual value. HDFC Diners Club Black Metal Edition outperforms it by ₹8,290/year.
Which credit cards should I avoid for Gold, Silver & Jewelry Purchases?▼
Avoid HDFC Diners Club Black Metal Edition, Myntra Kotak Credit Card, Swiggy HDFC Bank 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 Diners Club Black Metal Edition at ₹900,000 annual spend, the fee is waived (₹0 effective fee).