Credit card reward points expiry — what is the validity period?
Mary D'Souza
Asked 25 Apr 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
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
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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