Diwali 2025 is not just a festival of lights—it’s also the season of savings and smart financial planning!
Banks and NBFCs across India are rolling out special festive loan offers, gold loan schemes, and credit card cashback deals to help you make the most of your celebrations without worrying about your budget.
If you’re planning to renovate your home, buy gold, shop online, or manage festive expenses — these Diwali offers can help you save big while keeping your finances stress-free.
Top Gold Loan Offers for Diwali 2025
During Diwali, leading financial institutions offer lower interest rates, higher loan amounts, and zero-processing-fee schemes on gold loans. Here are the top offers this festive season:
1. HDFC Bank Gold Loan Offer 2025
- Interest rate starts from 8.75% p.a.
- Special Diwali discount of 1% interest waiver on loans above ₹3 lakh
- Instant approval with minimal documentation
- No foreclosure charges after 6 months
Perfect for quick festive financing or wedding expenses.
2. Bajaj Finserv Gold Loan
- Get up to ₹2 crore against your gold ornaments
- Attractive interest rates and same-day disbursal
- Free insurance cover on stored gold
- Special Diwali cashback up to ₹5,000 on online applications
Apply directly on bajajfinserv.in.
3. Muthoot Finance Festive Gold Loan
- Up to 75% of gold value as loan
- Instant approval & doorstep service
- No hidden charges
- 5-day interest-free period for early repayment
Best Credit Card Cashback & Diwali Shopping Offers 2025
The festive season means huge online shopping discounts and credit card cashback deals from top Indian banks.
Here are the leading offers you can grab this Diwali:
Diwali 2025 Loan & Cashback Comparison Table
| Bank / Company | Offer Type | Interest Rate / Cashback | Special Diwali Benefits | Eligibility / Key Highlights |
|---|---|---|---|---|
| HDFC Bank | Gold Loan | From 8.75% p.a. | 1% interest waiver on loans above ₹3 lakh | Quick approval, minimal documents |
| Bajaj Finserv | Gold Loan | From 9.00% p.a. | Cashback up to ₹5,000 for online applications | Loan up to ₹2 crore, same-day disbursal |
| Muthoot Finance | Gold Loan | From 9.25% p.a. | 5-day interest-free early repayment | Doorstep service, 75% value loan |
| SBI Card | Credit Card | Up to 10% instant discount | Extra rewards on Amazon & Flipkart shopping | 5× reward points on lifestyle & travel |
| ICICI Bank Credit Card | Cashback Offer | Up to ₹3,500 discount | 10% cashback on Myntra, Amazon & Croma | EMI + instant discount combo deals |
| American Express (AmEx) | Premium Cashback | Up to ₹35,000 in festive vouchers | Bonus points on hotels, travel & shopping | Exclusive for high-spend customers |
SBI Credit Card Diwali Offers
- Up to 10% instant discount on Amazon & Flipkart festive sales
- 5X Reward Points on lifestyle & electronics shopping
- Additional cashback on EMI transactions
ICICI Bank Credit Card Offers
- Up to ₹3,500 instant discount on partner brands
- 10% cashback on Myntra, Amazon, and Croma
- Extra benefits for Amazon Pay ICICI users
American Express (AmEx) Festive Cashback
- Exclusive Diwali vouchers worth ₹35,000
- Special rewards on hotel bookings, travel, and shopping
- Additional membership points for high-spend customers
Why These Offers Are Worth It
- Save big on festive purchases
- Access quick cash for gold or home renovation
- Earn cashback and reward points on every transaction
- Combine gold loan liquidity + credit card benefits for maximum savings
Important Tips Before Applying
- Always compare interest rates and processing fees.
- Check your credit score before applying for a loan or new card.
- Read the terms and conditions of cashback and EMI offers.
- Be alert for fake loan apps or phishing scams during festive seasons.
Conclusion
This Diwali 2025, make your celebrations brighter with smart financial choices.
Whether it’s a Gold Loan for instant funds or a Credit Card Cashback Offer for festive shopping — plan wisely and enjoy a financially stress-free festival!
Have you tried any festive finance offer this year? Tell us in the comments below!
