Credit card reward points expiry — what is the validity period?
Pradeep Mukherjee
Asked 17 May 2026
12
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
1 Answer
9
Subhashree Bhat·25 Feb 2026
On the add-on card: yes, the primary cardholder is fully liable for all spends on the add-on. There is no separate credit limit or statement. So only issue it to someone you trust absolutely — spouse, parents. Not friends, not siblings you have money disputes with.
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