Best card for
Best credit card for CaratLane
Which card to use for CaratLane in India - all 187 cards ranked
by what you actually get back on ₹50,000, after caps, exclusions and fees.
Top cardson ₹50,000
1
Titan SBI Card
Pay directly · 5% cashback at Mia, CaratLane and Zoya · cap 40,000 Reward Points (Rs 10,000) per quarter
sbicard.com · 25 Sep 2026
₹2,500
5%
2
HDFC Infinia Metal
Pay directly
hdfcbank.com · 20 Aug 2026
₹1,665
1,665 pts · 3.33%
3
HDFC Diners Club Black Metal
Pay directly
hdfcbank.com · 20 Aug 2026
₹1,665
1,665 pts · 3.33%
4
Biz Black Metal Edition Credit Card
Pay directly
hdfc.bank.in · 2 Oct 2026
₹1,665
1,665 pts · 3.33%
5
SC Ultimate
Pay directly
sc.com · 22 Aug 2026
₹1,665
1,665 pts · 3.33%
6
Gaj
Pay directly
idfcfirst.bank.in · 30 Sep 2026
₹1,665
1,665 pts · 3.33%
7
Kotak Solitaire Credit Card
Pay directly
kotak.bank.in · 30 Sep 2026
₹1,500
1,500 pts · 3%
8
ICICI Emeralde Private Metal
Pay directly
icicibank.com · 20 Aug 2026
₹1,500
1,500 pts · 3%
9
HSBC Premier
Pay directly · Utilities/rent/wallet/govt/education/insurance/jewellery: points capped · cap cumulative ₹1,00,000 spend/month across these categories
hsbc.co.in · 22 Aug 2026
₹1,500
1,500 pts · 3%
10
Pioneer Private Credit Card
Pay directly
indusind.bank.in · 2 Oct 2026
₹1,500
1,500 pts · 3%
Best with no annual fee3
1
Kotak Solitaire Credit Card
Pay directly
kotak.bank.in · 30 Sep 2026
₹1,500
1,500 pts · 3%
2
Scapia (Federal Bank)
Pay directly
federal.bank.in · 20 Aug 2026
₹1,000
5,000 pts · 2%
3
Pinnacle Credit Card
Pay directly · 2.5 pts / Rs 100 on e-commerce transactions
indusind.bank.in · 30 Sep 2026
₹938
1,250 pts · 1.88%
Best if you pay directly3
1
Titan SBI Card
Pay directly · 5% cashback at Mia, CaratLane and Zoya · cap 40,000 Reward Points (Rs 10,000) per quarter
sbicard.com · 25 Sep 2026
₹2,500
5%
2
HDFC Infinia Metal
Pay directly
hdfcbank.com · 20 Aug 2026
₹1,665
1,665 pts · 3.33%
3
HDFC Diners Club Black Metal
Pay directly
hdfcbank.com · 20 Aug 2026
₹1,665
1,665 pts · 3.33%
Cards that earn nothing here46
Swiggy HDFC Bank
No cashback on jewellery.
hdfc.bank.in · 22 Aug 2026
IndianOil HDFC Bank
No Fuel Points on jewellery.
hdfc.bank.in · 26 Sep 2026
PhonePe HDFC Bank Ultimo Credit Card
No reward points on jewelry purchases.
hdfc.bank.in · 30 Sep 2026
PhonePe HDFC Bank Uno Credit Card
No reward points on jewelry purchases.
hdfc.bank.in · 30 Sep 2026
Axis ACE
Gold and jewellery excluded.
axis.bank.in · 22 Aug 2026
Axis Magnus
Gold and jewellery excluded.
axis.bank.in · 22 Aug 2026
Flipkart Axis Bank
Gold in any form and jewellery excluded; gift cards on Flipkart/Myntra excluded too (category wording).
axis.bank.in · 22 Aug 2026
Airtel Axis Bank
Jewellery excluded.
axis.bank.in · 22 Aug 2026
Axis Bank Cashback
Jewellery, precious metals and watches excluded from cashback.
axis.bank.in · 22 Aug 2026
Axis Atlas
Gold/jewellery earns nothing (bank T&C MCC list).
axis.bank.in · 22 Aug 2026
Axis Privilege
Gold and jewellery excluded from ERP earn (Apr 2024). Since 20 Jun 2025 Axis identifies exclusions by spend category, not MCC; codes here are from the last bank-published MCC tables.
campaign.axis.bank.in · 22 Aug 2026
Axis Reserve
Gold and jewellery excluded (Apr 2024).
axis.bank.in · 22 Aug 2026
Axis Burgundy Private
Gold and jewellery earn nothing (Apr 2024).
axis.bank.in · 22 Aug 2026
Axis Magnus for Burgundy
Gold and jewellery excluded.
axis.bank.in · 22 Aug 2026
Axis MY Zone
Utility & Telecom, Rent, Wallet, Government spends, Insurance, Gold & Jewellery and Fuel earn no rewards
axis.bank.in · 25 Sep 2026
Axis Select
Insurance, rent, fuel, educational services, utilities & telecom, wallet, gold/jewellery, government services, gift cards and bridge/road/toll fees earn no EDGE REWARD points
axis.bank.in · 25 Sep 2026
IndianOil Axis Bank Credit Card
Insurance, gold/jewellery, wallet, rent, utilities, government institutions and education earn no EDGE REWARDS
axis.bank.in · 25 Sep 2026
Axis Bank Neo
No EDGE REWARD points on utilities and telecom, education, insurance, government, wallet loads, rent, fuel, gold and jewellery, or gift cards.
axis.bank.in · 1 Oct 2026
Fibe Axis Bank Credit Card
No cashback on wallet load, fuel spends, cash withdrawals or gold/jewellery purchases.
axis.bank.in · 2 Oct 2026
Axis Bank Supermoney RuPay Credit Card
No cashback on fuel, jewellery, wallet load, insurance, education, government services or rent.
axis.bank.in · 2 Oct 2026
Google Pay Flex Axis Bank Credit Card
No Stars on clock, jewellery, watch and silverware stores.
axis.bank.in · 2 Oct 2026
SBI Cashback Card
Jewellery excluded.
sbicard.com · 22 Aug 2026
Flipkart SBI Card
Jewellery: 0% cashback.
sbicard.com · 22 Aug 2026
PhonePe SBI SELECT BLACK
Jewellery earns nothing (bank T&C MCC list).
sbicard.com · 22 Aug 2026
Kotak 811 #DreamDifferent
Gold purchases earn no cashback (the T&C excludes gold; jewellery is treated the same here, conservatively).
kotak811.bank.in · 28 Sep 2026
Amazon Pay ICICI
No rewards on gold, silver or any precious metal (bank FAQ).
icicibank.com · 22 Aug 2026
HSBC Live+
Jewellery and antiques: 0% cashback.
hsbc.co.in · 22 Aug 2026
HSBC TravelOne
Jewellery: no reward points.
hsbc.co.in · 22 Aug 2026
HSBC RuPay Cashback
Jewellery and antiques: no cashback.
hsbc.co.in · 22 Aug 2026
HSBC Taj Credit Card
No reward points on jewelry and antique items.
hsbc.co.in · 25 Sep 2026
RuPay Platinum
No reward points on utilities, tax payments, rent, jewellery, insurance, fuel, money transfers and financial institutions.
hsbc.co.in · 1 Oct 2026
Visa Platinum
No reward points on utilities, tax payments, rent, jewellery, insurance, fuel, money transfers and financial institutions.
hsbc.co.in · 1 Oct 2026
ELITE+
No reward points on jewellery (from 15 Jun 2026).
yes.bank.in · 25 Sep 2026
Paisabazaar Paisaback
Bank's printed exclusion list: EMI, Utility, Fuel, Insurance, Rent, Wallet, Education, Jewellery, Govt services, Hospitals, Toll, Telecom equipment, Railways, Automotive shops. Hospitals, telecom equipment sales and automotive shops don't map cleanly to our category taxonomy and are omitted from the structured list above but are included in this note verbatim from the bank.
federal.bank.in · 1 Oct 2026
CUB CSK RuPay Platinum Credit Card
Gold and jewellery purchases earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SRH RuPay Platinum Credit Card
Gold and jewellery purchases earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB CSK Master Platinum Credit Card
Gold and jewellery purchases earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SRH Master Platinum Credit Card
Gold and jewellery purchases earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB CSK Master World Credit Card
Gold and jewellery purchases earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SRH Master World Credit Card
Gold and jewellery purchases earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB Kavach RuPay Credit Card
Gold and jewellery purchases earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB Kavach Master Credit Card
Gold and jewellery purchases earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SalarySe Level UP Credit Card (Lifetime Free)
Jewellery purchases earn no SCoins.
cityunionbank.bank.in · 2 Oct 2026
CUB SalarySe Level UP Credit Card (Paid)
Jewellery purchases earn no SCoins.
cityunionbank.bank.in · 2 Oct 2026
superCard
Purchase of gold/jewellery does not earn cashback
utkarsh.bank.in · 4 Oct 2026
Klick Credit Card
No YES Rewardz points on jewellery spends
yes.bank.in · 2 Oct 2026
Questions
Which credit card is best for CaratLane?
Titan SBI Card is the best card for CaratLane. It nets ₹2,500 on a ₹50,000 spend. Pay directly.
Which cards give nothing on CaratLane?
46 of the cards we track earn nothing on CaratLane, including Swiggy HDFC Bank, IndianOil HDFC Bank, PhonePe HDFC Bank Ultimo Credit Card, PhonePe HDFC Bank Uno Credit Card, Axis ACE and 41 more.
Is a gift voucher better than paying directly for CaratLane?
No voucher route earns more here. Pay directly with Titan SBI Card for ₹2,500 on ₹50,000.