TOP CASH JEWELLERY PTE. LTD.

Top Cash Jewellery is a Singapore-based gold jewellery retailer and licensed pawnbroker operating multiple heartland outlets across the island. Founded in 2013 and now operating under Taka Jewellery Holdings, the brand has grown from a single Yishun store into one of the more recognisable names in Singapore's neighbourhood jewellery retail segment. This guide covers the store's product range, locations, pawn services, online presence, and what buyers should check before purchasing.

Note on pricing: Gold prices change daily in line with international spot rates. Any specific per-gram or per-item figures mentioned here are indicative examples only and may not reflect current pricing. Always verify rates with the store directly before purchasing.

Quick Overview: Top Cash Jewellery

• Founded 2013, operating under Taka Jewellery Holdings.
• Stocks 916 (22K) and 999 (24K) gold jewellery as well as diamond pieces.
• Operates as a licensed pawnbroker in addition to retail sales.
• Multiple outlets across Singapore's heartland areas — City Plaza, Yishun, Serangoon, Ang Mo Kio.
• Available online via official website, Lazada, and Instagram.
• Gold items carry standard Singapore hallmarks — see our guide to hallmark gold for what to look for.

Product Range: Gold and Diamond Jewellery

916 and 999 Gold Jewellery

Top Cash Jewellery's core range covers 916 (22K) and 999 (24K) gold items including rings, bracelets, necklaces, bangles, and charms. The 916 range is suited to everyday jewellery, while 999 items tend to attract buyers with an investment angle as well as those purchasing for gifting or traditional occasions.

If you are deciding between karat grades, our gold karat chart provides a full breakdown of purity levels from 9K through to 24K, including how each grade compares on durability, gold content, and typical use in Singapore.

Diamond Jewellery

The store also carries a selection of diamond jewellery at various price points, covering both classic and more contemporary designs. For diamond purchases, it is advisable to request a grading certificate (GIA, IGI, or equivalent) for any significant stone, confirming cut, clarity, colour, and carat weight.

Indicative Pricing

As a general reference from the store's previously published range, smaller 999 gold charms have been listed at around SGD 60, and 916 gold rings at approximately SGD 158. These figures are indicative examples only and are subject to change with daily gold rate fluctuations and promotions. Always confirm the current price in store or online before purchasing.

Pawn Services at Top Cash Jewellery

Top Cash Jewellery operates as a licensed pawnbroker under Singapore's Pawnbrokers Act. This means customers can use gold or jewellery items as short-term collateral to obtain cash without permanently selling the piece. Key points to understand about pawn transactions:

• The pawn valuation is based on the item's gold content and current market value, not its original retail price or sentimental value.
• Pawned items are securely stored and can be redeemed by repaying the principal plus interest within the agreed period.
• Bring your NRIC or passport — identification is required under Singapore's pawnbroking regulations.
• Clarify the interest rate, redemption period, and what happens if the item is not redeemed before committing to a pawn transaction.
• The pawn payout will be lower than the item's retail value — this is standard across all licensed pawnbrokers in Singapore.

If you are considering selling rather than pawning, our guide on 10 places to sell gold jewellery in Singapore provides a broader comparison of your options.

Top Cash Jewellery Store Locations in Singapore

The brand operates across several heartland locations, making it accessible to buyers across different parts of Singapore.

The City Plaza outlet is worth noting for buyers who want to compare rates across multiple gold dealers in one visit — City Plaza on Geylang Road houses several gold retailers and pawnbrokers, making quick price comparisons straightforward.

Shopping Top Cash Jewellery Online

Top Cash Jewellery has an active online retail presence across several platforms:

• Official website — full product range with current listings
• Lazada Singapore — useful for price comparisons against other sellers on the same platform
• Instagram — new arrivals and promotions
• TikTok Shop — selected items available

When buying gold jewellery online, the same principles apply as in-store: confirm the purity hallmark stated in the listing, check the weight and per-gram rate if disclosed, and review the returns and exchange policy before purchasing. Our hallmark gold guide explains what the purity stamps on Singapore gold jewellery mean.

916 vs 999 Gold: What the Numbers Mean

Top Cash Jewellery's range spans two main gold purity grades common to Singapore's jewellery market:

• 916 = 22K: Contains 91.6% pure gold. The standard for most everyday gold jewellery in Singapore and across Asia. More durable than 24K for daily wear due to the alloy content. Widely traded and easy to resell. See our gold karat chart for a full comparison.
• 999 = 24K: Contains 99.9% pure gold. Higher gold content means a higher per-gram price. Softer than 22K and more prone to scratching with regular wear — most commonly purchased for investment, gifting, or ceremonial purposes.

When buying, always check that the hallmark stamped on the piece matches the purity stated at the point of sale. For guidance on reading hallmarks on Singapore gold jewellery, visit our guide to hallmark gold.

What to Check Before Buying from Top Cash Jewellery

• Purity hallmark: Verify the stamp (916, 999) on the item itself against what is stated on the price tag or invoice. Our hallmark gold guide explains how to read these marks.
• Weight: Confirm the gram weight of the piece — this is the basis for the metal price component of any gold item.
• Workmanship charge: Ask whether the quoted price includes a labour or design fee on top of the metal cost, and request it be itemised on the receipt.
• Current gold rate: Cross-check the per-gram rate against the day's market rate. Our gold karat chart can help you understand the purity-adjusted value.
• Receipt: Keep a detailed invoice showing purity, weight, metal rate, any workmanship charge, and the total paid.
• Exchange and buyback policy: Understand the store's terms before purchasing, particularly if you may want to resell or exchange the item in future.
• For diamond pieces: Request a grading certificate for any significant stone purchase.

Frequently Asked Questions: Top Cash Jewellery

What gold does Top Cash Jewellery sell?

Top Cash Jewellery sells 916 (22K) and 999 (24K) gold jewellery including rings, bracelets, necklaces, bangles, and charms, as well as diamond jewellery. The range is available both in-store and online.

Is Top Cash Jewellery a licensed pawnbroker?

Yes. Top Cash Jewellery operates as a licensed pawnbroker under Singapore's Pawnbrokers Act. This means pawn transactions are regulated and customers' items must be stored securely and made available for redemption under the agreed terms.

What is the gold price at Top Cash Jewellery today?

Gold rates change daily and are not published live on this page. Check the current rate via the Top Cash Jewellery website or by visiting or calling your nearest outlet.

Which areas does Top Cash Jewellery serve?

Top Cash Jewellery has outlets at City Plaza (Geylang), Yishun, Serangoon, and Ang Mo Kio. See the store locations table above for specific addresses.

How does Top Cash Jewellery compare to other Singapore gold retailers?

Top Cash Jewellery operates primarily in heartland locations with a focus on accessible pricing for everyday buyers. For a broader view of where to buy or sell gold in Singapore, see our guide on 10 places to sell gold jewellery in Singapore.

What should I bring if I want to pawn jewellery?

Bring your NRIC or passport — identification is required by Singapore law for all pawn transactions. Also confirm the interest rate and redemption period before agreeing to the pawn.

Is it safe to buy gold jewellery from Top Cash Jewellery online?

The brand is an established retailer operating through its own website as well as Lazada and TikTok Shop. When buying online, check the purity stated in the listing, confirm the returns policy, and ensure you receive a receipt showing weight and purity upon delivery.

Before You Visit or Buy Online: A Practical Summary

Top Cash Jewellery offers a broad range of 916 and 999 gold jewellery and diamond pieces across multiple Singapore heartland locations, with pawn services available at its outlets. The brand's online presence on Lazada, TikTok Shop, and its own website makes it accessible for buyers who prefer to browse before visiting in store.

As with any gold purchase, the core checks remain the same: verify the hallmark, confirm the weight and workmanship charges, review the receipt, and compare against at least one other source on the same day. For further reading, visit our gold karat chart for a full breakdown of gold purity grades, and our guide to hallmark gold in Singapore to understand what the stamps on your jewellery mean.