Credit card reward points expiry — what is the validity period?
Pari Unnikrishnan
Asked 26 May 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
Dispute process that worked for me: I called customer care within 24 hours, raised a dispute via the netbanking portal (uploading the receipt showing I never visited the merchant), and got a provisional credit in 5 working days. Permanent credit came after the bank's investigation in about 30 days.
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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