Credit card reward points expiry — what is the validity period?
Vasanthi Baishya
Asked 17 May 2026
7
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
1 Answer
-1
Tushar Wagh·7 Mar 2026
Two cards from the same bank usually share credit limit, not stack it. So if bank gives you ₹2 lakh total, splitting between two cards doesn't increase your available credit. That's a common misconception people carry when applying for their second card.
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