Credit card reward points expiry — what is the validity period?
Bhavna Tiwari
Asked 24 Apr 2026
19
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
2 Answers
18
Lavanya Parmar·31 Mar 2026
I've owned 4 cards over the last 7 years. The biggest lesson: a card that fits your spend pattern beats the 'most rewarding' card on paper. A 5% cashback card you actually use daily will give you 10x more value than a 10% card you use once a month.
16
Santhosh Bose·1 May 2026
Yes the rewards sound amazing in marketing, but the redemption catalogue is full of products at inflated MRP. The statement credit redemption is almost always the best value. Skip the merchandise, skip the flight bookings, take the cash.
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