Wedding season · Part 1

Your wedding bills can pay for the honeymoon

Most cards pay nothing on gold jewellery. A few pay a lot, and some milestone cards count a jewellery bill like any other spend. Here is which is which, with each bank's own terms.

Part 2: the honeymoon flights →

The apply links on this page are referral links: Krediit may earn a fee if the bank approves you. They do not change which cards are listed or in what order.

Verified: 27 October 2026
Sources: 25 cited
Cards: 19

A ₹10L wedding: ₹4L of jewellery, ₹6L of everything else

20,000NeuCoinsTata Neu Infinity · ₹4L at Tanishq · 1 NeuCoin = ₹1

2free hotel nightsMarriott Bonvoy HDFC · ₹6L on venue, caterer, clothes

38,000Marriott points on topincludes the 30,000 festive bonus

Check your card first

These pay ₹0 on jewellery

Jewellery shops bill under merchant code 5944, and precious metals under 5094. These cards name jewellery, or those codes, in their exclusions, so a ₹4 lakh Tanishq bill earns nothing on them.

₹0HDFC MillenniaJewellery (MCC 5094 and 5944) earns no cashbackHDFC Bank
₹0Swiggy HDFCJewellery earns no cashbackHDFC Bank
₹0Cashback SBI CardNo cashback on jewellery (MCC 5051, 5094, 5944, 7631)SBI Card terms
₹0Amazon Pay ICICIGold, silver and any precious metal earn no reward pointsICICI Bank
₹0Axis Atlas, Magnus, Select, AceGold and jewellery earn nothing and do not count toward milestonesAxis Bank terms
₹0HSBC Live+Jewellery (5094, 5944) earns nothingHSBC service guide
₹0YES Bank cardsNo YES Rewardz points on jewelleryYES Bank MITC

Route 1

Pay at Tanishq with a Tata card

Tata's own cards pay a higher rate at Tanishq than any general card, as long as you pay by card in full, not on EMI or UPI.

Fee ₹1,499 + GST

Tata Neu Infinity HDFC Bank Credit Card

5% back as NeuCoins at Tanishq

5% on Titan and Tanishq, on up to ₹6 lakh a month and ₹18 lakh a year (1.5% base plus 3.5% extra)
Non-EMI only. On merchant EMI the rate drops to 1.5%, and Smart EMI earns nothing
On the RuPay variant, paying through UPI does not get the 5%
1 NeuCoin = ₹1 on Tata Neu, usable at IHCL hotels (Taj, Vivanta, Ginger) and at Tanishq through Tata Neu
The extra 3.5% is matched on the store terminal IDs Tanishq shares with the bank. Other jewellers earn 1.5%

Apply for the card

https://bitli.in/Z3LlJss

Tap the link to select it, then Copy and paste it into your browser. Referral link.

Source: Tata Neu Infinity HDFC, terms and conditions (Annex 1) · Tata Neu Infinity HDFC Bank Credit Card

Fee ₹1,499 + taxes

Tata Neu Infinity SBI Card

5% back as NeuCoins at Titan and Tanishq

5% value back as NeuCoins on partner Tata brands, Titan and Tanishq among them. SBI's terms set no monthly spend cap on it
Merchant EMI and Flexipay earn nothing, so pay in full
1 NeuCoin = ₹1, posted to your NeuPass account within 7 working days of the statement
NeuCoins are matched on the store IDs Tanishq gives SBI. Other spends earn 1.5%

Apply for the card

https://bitli.in/29GRLTk

Tap the link to select it, then Copy and paste it into your browser. Referral link.

Source: Tata Neu Infinity SBI Card, terms booklet (clause 11) · Tata Neu Infinity SBI Card

Fee ₹499 + GST

Tata Neu Plus HDFC Bank Credit Card

2% back as NeuCoins at Tanishq

2% on Titan and Tanishq, on up to ₹3 lakh a month and ₹9 lakh a year
The same rules as Infinity: non-EMI, and no UPI on the RuPay variant

Source: Tata Neu Plus HDFC, terms and conditions

Fee ₹2,999 + taxes

Titan SBI Card

3% back as Tanishq gift vouchers

3% value back as gift vouchers on shopping at Tanishq stores
Capped at 1,00,000 reward points (₹25,000) a quarter
Payments into Golden Harvest and other Tanishq schemes earn the base rate only
Annual fee waived on ₹3 lakh of spend

Source: Titan SBI Card, terms and conditions · Titan SBI Card

Route 2

Let the jewellery bill clear a milestone

A jewellery bill is one large spend in one go. On these cards it counts toward an annual or quarterly milestone, and the milestone pays far more than the base rate.

Fee ₹3,000 + GST · Diners Club

Marriott Bonvoy HDFC Bank Credit Card

1 free night at each of ₹6L, ₹9L and ₹15L a year

A Free Night Award (up to 15,000 points) when the joining fee is charged, then one each at ₹6 lakh, ₹9 lakh and ₹15 lakh in the card year
Festive offer: enrol by 10 November 2026, then spend ₹1.5 lakh by 30 November for 15,000 points, or ₹2.5 lakh for 30,000. Only spend after you enrol counts
Jewellery is not excluded. EMI, fuel, wallet loads, vouchers, rent and government payments are
It is a Diners Club card: ask the jeweller, venue and caterer whether they take Diners

Enrol for the festive offer, by 10 November 2026

https://connect.hdfc.bank.in/applications/webforms/apply/MarriotBonvoy_Campaign/index.aspx?product=MB

Tap the link to select it, then Copy and paste it into your browser. HDFC's enrolment form, from its Marriott Bonvoy card page. HDFC confirms by SMS or email within 5 working days.

Apply for the card

https://bitli.in/VCV20ZO

Tap the link to select it, then Copy and paste it into your browser. Referral link.

Source: Marriott Bonvoy HDFC, terms and conditions (19 Oct 2026) · Marriott Bonvoy HDFC Bank Credit Card

Fee ₹5,000 + taxesExisting cardholders only

American Express Platinum Travel Credit Card

₹20,000 Taj e-gift card at ₹7 lakh a year

10,000 Membership Rewards points at ₹4 lakh in a card year, and a ₹20,000 Taj Experiences e-gift card at ₹7 lakh
1 point per ₹50 as the base rate. Jewellery earns and counts toward both milestones; fuel, insurance, utilities, cash and EMI at the counter do not earn
American Express has paused new card applications in India, so this route is only for people who already hold the card

Source: American Express Platinum Travel Credit Card

Fee ₹10,000 + GST · Diners Club

HDFC Bank Diners Club Black Metal Edition

10,000 bonus points on ₹4 lakh in a quarter

10,000 reward points on ₹4 lakh in a calendar quarter. October to December closes on 31 December
5 reward points per ₹150 as the base rate. Jewellery is not excluded; EMI and wallet loads do not count toward the bonus
Diners Club acceptance varies by store, so check before the big bill

Source: HDFC Diners Club Black Metal Edition, terms and conditions

Fee ₹2,500 + GST

HDFC Bank Regalia Gold Credit Card

₹5,000 flight voucher at ₹7.5 lakh a year

A ₹1,500 voucher on ₹1.5 lakh in a calendar quarter (Myntra, Nykaa, Reliance Digital or Marriott)
A complimentary flight ticket worth ₹5,000 at ₹7.5 lakh in the card year, per the milestone terms
Jewellery is not excluded. EMI and wallet loads do not count toward milestones
The Myntra voucher cannot be used on items sold by Titan Company, which owns Tanishq

Source: HDFC Regalia Gold, reward point terms · HDFC Regalia Gold Credit Card

Route 3

Cards that still earn on gold

These cards do not exclude jewellery. They pay their normal rate on it, and one pays more.

Fee ₹1,500 + GST

Kotak Zen Signature Credit Card

10 Zen points per ₹150 on jewellery

Jewellery is one of the card's higher-rate categories: 10 points per ₹150
All points on the card are capped at 6,500 a billing cycle, so a ₹4 lakh bill hits the cap early
Kotak approves jewellery charges selectively, so a large bill may need a call to the bank first

Source: Kotak, reward terms (RCAS) · Kotak Zen Signature Credit Card

By invitation

HDFC Bank Infinia Metal Edition

5 reward points per ₹150

Jewellery earns the full base rate. The exclusions are fuel, EasyEMI, wallet loads, rent and government payments

Source: HDFC Infinia, reward points terms

Fee ₹4,999 + taxes

SBI Card ELITE

2 reward points per ₹100

2 points per ₹100 on all spends except fuel, so jewellery earns. The jewellery exclusion on Cashback SBI applies to that card, not to Elite

Source: SBI Card ELITE

For HSBC Premier customers

HSBC Premier Credit Card

₹1L a month of jewellery earns points

Jewellery (5944, 5094) earns points only on the first ₹1 lakh a month, shared with insurance, utilities, education, tax and wallet loads

Source: HSBC credit card service guide

Worked example

₹4L of jewellery, ₹6L of everything else

Tata Neu Infinity · ₹4L at Tanishq

₹20,000

20,000 NeuCoins at 5%, under the ₹6L monthly cap

Marriott Bonvoy HDFC · ₹6L on the rest

2 nights

1 when the joining fee is charged, 1 at ₹6L in the card year, plus 8,000 points and the 30,000 festive bonus

Or Amex Platinum Travel · ₹4L of jewellery

18,000

Membership Rewards: 8,000 at the base rate plus the 10,000-point ₹4 lakh milestone. Another ₹3L in the card year adds a ₹20,000 Taj Experiences e-gift card.

Wedding season · Part 2Now the flights: premium cards that turn the wedding bills into airline miles, and what those miles buyRead Part 2 →

At the counter

Before you pay

Pay by card, in full

Tata Neu Infinity's 5% is for non-EMI card payments. Converting the bill to EMI drops it to 1.5%, and UPI on the RuPay card loses it.

Buy at a Tanishq store, and check the SMS

The extra NeuCoins are matched on the terminal IDs Tanishq gives the bank. Do a small swipe first and check the merchant name on the SMS.

Split across months above ₹6 lakh

Tata Neu Infinity pays 5% on up to ₹6 lakh a month and ₹18 lakh a year. Above that, put the balance on a milestone card.

Ask before a big jewellery swipe

Some banks approve jewellery charges selectively. A call to the bank before a ₹4 lakh bill saves a decline at the counter, and Diners cards need the store to accept Diners.

Terms as published by each issuer, checked 27 October 2026. Offers end on the dates shown and can change, so read the issuer's document before you pay. This page states what each card pays on an amount. It is not a recommendation to apply for any card; approval is the issuer's decision.