Credit card reward points expiry — what is the validity period?
Nagarjuna Basu
Asked 20 Mar 2026
26
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
1 Answer
Accepted
23
Nusrat Goud·7 May 2026
I had the same dilemma. The way I decided was: list down my top 3 monthly spend categories, calculate the rewards on each card, and pick whichever gives the highest cashback on MY pattern. Generic 'best card' lists are useless for personal decisions.
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