Credit card reward points expiry — what is the validity period?
Vishaka Malhotra
Asked 6 Jun 2026
27
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
1 Answer
17
Ravi Singh·8 Mar 2026
I have had a hard time getting this card approved twice. The third time I applied after a 10% salary hike and got instant approval. Banks re-check eligibility every time. If you got rejected, improve your income proof / CIBIL and reapply after 6 months.
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