Credit card reward points expiry — what is the validity period?
Muthulakshmi Bhowmick
Asked 17 Jun 2026
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
2 Answers
Tip from someone who made this mistake: never max out the credit limit in the first 6 months. Banks track utilisation, and high utilisation right after approval often triggers a credit limit decrease or even an account review.
I've been using this card for over a year now. In my experience, the rewards are decent but the real value is in the lounge access and the milestone benefits. Make sure to read the fine print on the welcome benefit — most banks only credit it after the first transaction, not on approval.
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