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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Know everything about white gold

Many people often ask, “what is white gold?” Simply put, white gold means a gold alloy mixed with white metals like palladium, nickel, or silver to give it a shiny, silvery appearance. Unlike yellow gold, white gold has a modern, elegant look, making it popular for rings, necklaces, and engagement jewellery. It is usually coated with rhodium to enhance its shine and durability. Understanding what is white gold helps you make informed choices when buying jewellery, especially if you want something stylish yet lasting. So, whether you are looking for everyday wear or a special occasion piece, knowing that white gold means a mix of gold and white metals ensures you get both beauty and strength in your jewellery.


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.

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

When considering collateral for a gold loan, white gold jewellery can indeed be a viable option. However, it's essential to understand the terms and conditions set by the lender. Some lenders may accept white gold jewellery alongside traditional yellow gold, while others may have specific criteria regarding the purity and market value of the white gold pieces. Before using white gold jewellery as collateral, it's advisable to confirm with the lender whether they accept it and what their valuation criteria are.


Before accepting gold jewellery as collateral for a loan, jewellers typically conduct several checks to assess its value and authenticity:


  1. Purity of gold: Jewellers often verify the purity of the gold through testing methods like acid tests or electronic testers. This determines the karatage of the gold, indicating the percentage of pure gold in the alloy.
  2. Weight: The weight of the gold jewellery is measured accurately, as it directly affects its value. Jewellers use precision scales to determine the weight in grams or troy ounces.
  3. Market value: Jewellers assess the current market value of gold to determine the loan amount they can offer against the collateral. This involves considering factors like the spot price of gold and any additional charges or premiums.
  4. Authenticity: To ensure the jewellery is genuine, jewellers may examine hallmarks, stamps, or other identifying marks on the pieces. This helps verify the authenticity and origin of the gold.
  5. Documentation: Borrowers are often required to provide relevant documentation, such as proof of ownership, identification documents, and sometimes certificates of authenticity or purchase receipts.
  6. Condition: The condition of the jewellery is assessed to determine its resale value. Well-maintained and intact pieces may command a higher loan amount compared to damaged or worn-out items.
  7. Loan terms: Jewellers explain the terms and conditions of the gold loan, including gold loan interest rates and charges and repayment terms associated with the loan.

By conducting these checks, jewellers ensure that they offer loans responsibly while safeguarding their interests and maintaining the integrity of their business operations.
 

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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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Disclaimer

Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.