What is White Gold?

What is White Gold?

Find out all about white gold, its making, how it differs from yellow gold and whether you can pledge it.

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What is white gold?

White gold is an alloy made by mixing pure gold with white metals such as palladium, nickel or silver. This mixture gives it a silvery-white appearance, making it a popular choice for rings, necklaces, bracelets and engagement jewellery.

Unlike yellow gold, white gold has a cool, modern finish. Many white gold jewellery pieces have a rhodium coating that enhances their shine and helps protect the surface. However, this coating can wear off over time and may need to be reapplied.

The purity of white gold depends on its karat value. For example, 18K white gold contains 75% pure gold, while the remaining 25% consists of other metals.

Before buying white gold jewellery, check its purity, finish and maintenance needs. If you have jewellery you wish to pledge for a gold loan, note that Bajaj Finance accepts eligible yellow gold jewellery and ornaments, not white gold jewellery.

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White gold is real gold mixed with white metals to create a bright, silvery appearance. It is a popular choice for modern jewellery, including rings, necklaces and diamond-studded designs.

  • White gold contains gold mixed with metals such as palladium or nickel. A rhodium coating may enhance its shine.
  • Its purity depends on its karat value. For example, 18K white gold contains 75% pure gold.
  • Rhodium plating can wear off over time and may need to be reapplied.
  • Some white gold alloys contain nickel, which may cause reactions in sensitive skin.
  • Bajaj Finance accepts eligible yellow gold jewellery, ornaments and coins, but not white gold jewellery as collateral.

Consider purity, maintenance and skin sensitivity when choosing white gold jewellery, ornaments or coins.

What is the difference between white gold and yellow gold?

White gold and yellow gold mainly differ in colour and alloy composition, though both contain the same proportion of pure gold. Here’s a quick comparison: 


FeatureWhite goldYellow gold
ColourSilvery-white, alloyed with metals like nickel or palladiumWarm yellow, alloyed with metals like copper
Gold contentSame as yellow gold (e.g., 18k = 75% gold)Same as white gold (e.g., 18k = 75% gold)
MaintenanceNeeds rhodium plating to retain shineEasy care, regular cleaning and polishing
DurabilitySlightly more scratch-resistantSofter but hypoallergenic

While their visual appeal and maintenance requirements differ, the choice between white and yellow gold often depends on personal preference, with both offering the same level of gold content and value, but varying in terms of appearance and long-term care needs.


Understanding white gold and its value

White gold's value is derived from its gold content and the quality of its alloy components. The price is largely influenced by the karat measurement, which indicates purity; for example, 18k white gold consists of 75% gold, while 14k contains 58.3% gold. The alloys, typically nickel, palladium, or silver, enhance the strength and durability of white gold.


Additionally, white gold is commonly coated with rhodium, providing a bright, lustrous finish and improving scratch resistance. However, this rhodium plating requires regular maintenance, as it needs reapplication to preserve its appearance.


The interplay between gold purity, alloy quality, and necessary upkeep contributes to the overall value of white gold jewellery. Its blend of elegance and durability positions white gold as a contemporary alternative to traditional yellow gold, appealing to those seeking both aesthetic appeal and practical longevity in their jewellery choices. This combination makes it a sought-after option for various types of jewellery, from engagement rings to everyday pieces.


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What is the price of white gold?

The price of white gold depends on several important factors:

  • Gold market price and purity – Higher karat white gold, like 18k (75% pure gold), costs more than 14k due to its higher gold content.
  • Alloy metals – Metals like palladium or nickel give white gold its silvery-white hue, slightly increasing the price.
  • Rhodium plating – Adds shine and durability, contributing to the overall cost.
  • Design and craftsmanship – Intricate designs, quality finishing, and the inclusion of diamonds or other precious stones can affect the price.
  • Comparison with other metals – White gold is more affordable than platinum but slightly pricier than yellow gold. 

Understanding these factors helps you make informed decisions when buying white gold jewellery.


Factors that affect white gold price

The price of white gold depends on several key factors:

  • Gold market price and purity – Higher karat white gold, like 18k (75% pure gold), costs more than 14k due to its higher gold content.
  • Alloy metals – White metals like palladium or nickel give white gold its silvery-white hue, slightly increasing the price.
  • Rhodium plating – Coating adds shine and durability, contributing to the overall cost.
  • Design and craftsmanship – Intricate designs, quality finishing, and inclusion of diamonds or gemstones can raise the price.
  • Comparison to other metals – White gold is more affordable than platinum but pricier than yellow gold.

Considering these factors helps you make smart decisions when buying white gold jewellery.


Why is white gold gaining popularity?

White gold has been gaining popularity due to its modern aesthetic appeal and versatility. Its sleek and sophisticated appearance complements various gemstones and settings, making it a preferred choice for engagement rings, wedding bands, and other jewellery pieces. Additionally, white gold's hypoallergenic properties, compared to other metals like nickel, make it suitable for individuals with sensitive skin. As fashion trends evolve, white gold continues to remain a sought-after choice for both traditional and contemporary jewellery designs.


Advantages of white gold

White gold offers several advantages that contribute to its popularity in the jewellery industry:

  1. Aesthetic appeal: White gold's elegant and contemporary appearance makes it a preferred choice for modern jewellery designs. Its silvery-white hue provides a sleek and sophisticated look that complements various gemstones and settings.
  2. Versatility: White gold is highly versatile and can be crafted into a wide range of jewellery pieces, including engagement rings, wedding bands, necklaces, earrings, and bracelets. Its neutral colour allows it to pair seamlessly with different gemstones and metals.
  3. Hypoallergenic properties: Unlike some other metals like nickel, which can cause allergic reactions in sensitive individuals, white gold is often alloyed with metals like palladium or platinum, making it hypoallergenic and suitable for wearers with sensitive skin.
  4. Durability: White gold jewellery is durable and resistant to tarnishing, making it suitable for everyday wear. It retains its lustre and beauty over time with proper care and maintenance.
  5. Modern appeal: With its contemporary look and feel, white gold appeals to individuals seeking stylish jewellery options. It offers a modern alternative to traditional yellow gold while maintaining the prestige and luxury associated with gold jewellery.
  6. Value retention: Like yellow gold, white gold holds intrinsic value as a precious metal, making it a worthwhile investment. Its timeless appeal ensures that white gold jewellery retains its value over time, making it a valuable asset.
  7. Customisation: White gold can be easily customised to suit individual preferences and tastes. Whether incorporating intricate designs or personal engravings, white gold jewellery offers endless possibilities for creating unique and meaningful pieces.

These qualities make white gold a popular choice for individuals seeking stylish, durable, and timeless jewellery pieces.


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Is white gold real gold?

Yes, white gold is indeed real gold. It is a precious metal composed of gold alloyed with other white metals like nickel, palladium, or silver to achieve its distinctive colour and properties. While white gold may have a different appearance than traditional yellow gold, it maintains the intrinsic value and characteristics of gold, making it a valuable asset in the jewellery industry.


Understanding “karats”: How much pure gold is in your white gold jewellery?

The purity of white gold is measured in karats, indicating the proportion of pure gold present in the alloy. Common karatages for white gold jewellery include 14k and 18k, with 18k white gold containing a higher percentage of pure gold compared to 14k. Understanding the karatage of your white gold jewellery is crucial, as it determines its purity, durability, and value. Higher karatage white gold may be more expensive but also more malleable and luxurious, while lower karatage options offer greater durability and affordability.


Please note: Bajaj Finance does not acept white gold as collateral for its gold loan offering.*

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Can white gold jewellery be used as collateral for a gold loan?

No, Bajaj Finance does not accept white gold jewellery as collateral for a gold loan. To apply for a gold loan, you can pledge eligible gold jewellery or ornaments of 18-22 purity, or gold coins up to 24 karat purity, subject to applicable terms.

When assessing eligible gold, the lender checks its purity, net weight and applicable reference price to determine its value. Stones, gems and other decorative materials are excluded from the gold weight used for valuation. The eligible loan amount also depends on the applicable Loan-to-Value (LTV) limit and loan terms.

Before applying, review the gold loan interest rates and charges and repayment options. You can also check your gold loan eligibility to understand the requirements.

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How to calculate the price of white gold

Calculating the price of white gold involves understanding its composition and the current market price of gold. Start by identifying the karat of the white gold piece, which indicates its purity. For instance, 18k white gold contains 75% pure gold, while 14k white gold has a lower gold content.


To determine the price, first find the current market price of gold per gram. This can fluctuate based on global demand and economic conditions. Once you have this price, multiply it by the gold content of your piece. For example, if the market price is Rs. 5,000 per gram and you have an 18k white gold ring weighing 10 grams, the calculation would be:


Price of gold = Market price X Karat/24 X Weight

Example:

Price of gold = Rs. 5,000 X 18/24 X 10 = Rs. 3,750 X 10= Rs. 37,500


This formula gives you the value of the gold content in your jewellery. Keep in mind that additional factors, such as the quality of alloys used and any rhodium plating, can also influence the final price. The combined effect of these elements determines the overall valuation of the piece.


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Frequently asked questions

Gold Price

What is the price of 1 gram white gold?

The price of 1 gram of white gold varies depending on factors such as the current market price of gold, the purity of the white gold alloy, and any additional costs associated with craftsmanship or design. Generally, white gold is priced similarly to yellow gold of the same purity level, with fluctuations in price reflecting changes in the precious metals market. It's advisable to check with reputable jewellers or online sources for the most up-to-date pricing information on 1 gram of white gold.

White gold is typically priced similarly to yellow gold of comparable purity. While it may seem more expensive due to its modern aesthetic appeal and popularity, the cost of white gold jewellery is influenced by factors such as the purity of the gold alloy, craftsmanship, and design intricacy rather than its colour. Additionally, fluctuations in the market price of gold can impact the overall cost of white gold jewellery. Ultimately, whether white gold is considered expensive is subjective and depends on individual preferences, budget, and the specific piece of jewellery in question.

White gold is priced similarly to yellow gold based on its gold content, which is measured in karats. However, the final price can vary due to the additional alloys used to create white gold, such as nickel or palladium, which can enhance its strength and appearance. While the base value is derived from the gold price per gram, the overall cost may increase due to the rhodium plating often applied to white gold, adding to its visual appeal and durability.

White gold is generally more expensive than yellow gold due to the alloys used to create its distinct colour and properties. The addition of metals like nickel or palladium enhances strength and durability, contributing to its higher production costs. Furthermore, the rhodium plating applied to white gold enhances its finish but adds extra expense. Although yellow gold's price is primarily based on its gold content, the composite nature of white gold results in a higher overall cost, reflecting the additional materials and processes involved in its creation.

The primary difference between white gold and platinum lies in their composition and properties. White gold is an alloy made from gold and other metals, typically nickel or palladium, and often plated with rhodium for enhanced shine. In contrast, platinum is a pure metal that is denser and heavier, providing greater durability and scratch resistance. Additionally, platinum is hypoallergenic, making it suitable for sensitive skin. While both have a similar appearance, platinum is usually more expensive due to its rarity and the fact that it retains its value better over time.

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Disclaimer

Bajaj Finance Limited (BFL) has the sole and absolute discretion, without assigning any reason to accept or reject any application as per BFL policy. *