All perfect praise be to Allaah, The Lord of the Worlds. I testify that there is none worthy of worship except Allaah, and that Muhammad is His slave and Messenger.
The majority of the scholars believe that there is no Zakah on the woman's jewelry as long as she uses it as an ornament regardless of whether she wears it often or rarely. This opinion is reported from five companions of the Prophet who all said: "There is no Zakah in the woman's jewelry. However, Imaam Abu Hanifa see that it is compulsory to give the Zakah of gold even if it used by the woman for ornament. This is also the opinion of some contemporary Muslim scholars who took the following Hadith reported from Abdullaah Ibn Amar Ibn Al-'Aas as their evidence. Abdullaah narrated that a woman came to the Prophet, accompanied by her daughter who was wearing two bracelets of gold. The Prophet, said to her: "Do you give the Zakah of this?" She replied: 'No'. The Prophet, said: "Will you be pleased that Allaah puts two bracelets of fire around you on the Day of Judgement". [Abu Daawood]
So, we think that it is safer for anyone who is materially capable to give the Zakah of jewelry used for private ornament as this is looking after the rights of the poor and the needy. But it is not obligatory.
Allaah knows best.