Credit card reward points expiry — what is the validity period?
Harshita Iyer
Asked 1 Apr 2026
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
2 Answers
For the fee waiver condition: most banks count only retail purchases, not EMI, wallet loads, or fuel (in some cases). Read the TnC PDF linked at the bottom of the fee-waiver email — it's usually 2-3 paragraphs of fine print that change everything.
Dispute process that worked for me: I called customer care within 24 hours, raised a dispute via the netbanking portal (uploading the receipt showing I never visited the merchant), and got a provisional credit in 5 working days. Permanent credit came after the bank's investigation in about 30 days.
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