Credit card reward points expiry — what is the validity period?
Ritesh Yadav
Asked 11 Mar 2026
8
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
1 Answer
13
Heera Verma·13 Jun 2026
Credit score impact: each hard inquiry (which happens on card application) drops your score by 5-15 points temporarily. Applying for 3 cards in 2 months is fine IF you get all 3 approved. If 2 get rejected, you've taken a hit with nothing to show for it. Apply smart, not fast.
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