Credit card reward points expiry — what is the validity period?
Lalitha Kumar
Asked 30 Mar 2026
14
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
1 Answer
Accepted
20
Darshan Prasad·4 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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