Credit card reward points expiry — what is the validity period?
Hari Agarwal
Asked 10 Mar 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
3
Mira Rawat·7 Jun 2026
The 'minimum due' trap is real. Banks love it because they charge ~36-42% interest on the carried-forward amount. If you can't pay the full bill this month, pay at least 50% — anything below that and the interest eats the rewards of the next 6 months.
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