Jewelry is a lighting problem, not a subject problem. Polished metal is a mirror — it doesn't have a colour of its own, it reflects whatever surrounds it — so the prompt has to describe what the metal is reflecting. That's why real jewelry shoots use big diffused sources and white cards: “lit by a large diffused softbox directly overhead with white bounce cards on both sides, producing long soft highlights along the band and no harsh hotspots”. Say that and you get metal that looks expensive. Say “beautiful lighting” and you get a grey ring with random blown-out patches.
The second half is the material vocabulary. “Brushed 18k yellow gold”, “high-polish platinum”, “oxidised blackened silver”, “brilliant-cut diamond with visible fire and dispersion”, “cabochon-cut moonstone with a soft blue sheen” — each of those is a different surface with different behaviour, and the models know them. Add the surface it sits on and the lens: “on a slab of honed grey marble, 100mm macro at f/8, focus stacked, tack sharp throughout”. Every image on this page is the unedited first output of the prompt beside it, generated on BananaBanana.