Credit card reward points expiry — what is the validity period?
Subhash Kullu
Asked 22 Feb 2026
1
Do reward points on Indian credit cards expire? If yes, after how many months of inactivity? Which banks have the longest validity?
1 Answer
Accepted
16
Vijay Gokhale·31 Mar 2026
I've held this card for 3 years. Quick reality check: the welcome benefit is good, the first-year fee waiver is easy, but from year 2 onwards you really have to work for the milestone benefits. Don't keep it if your monthly spend drops below the milestone threshold.
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