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Credit cards whose rewards do not expire

20 credit cards whose banks say the reward points, miles or cashback do not expire (for some, only while the card stays in use), each in the bank's own words.

Updated 18 Oct 2026. Every figure is from the bank’s own document; open Proof to see the bank’s words.

American Express

  1. American Express Membership Rewards Credit Card

    • Membership Rewards Points on the FTO tier never expire

    Annual fee ₹4,500 + GST

  2. American Express SmartEarn Credit Card

    • Membership Rewards Points on the FTO tier never expire

    Annual fee ₹495 + GST

  3. American Express Platinum Card

    • Points never expire

    Annual fee ₹66,000 + GST

  4. American Express Platinum Reserve Credit Card

    • Membership Rewards Points on the FTO tier never expire

    Annual fee ₹10,000 + GST

BOBCARD

  1. BOBCARD One

    • Reward points do not expire and have lifetime validity (nullified if the BOBCARD One co-branded Credit Card is not used for more than 365 days)

    Annual fee ₹0

  2. Eterna

    • Evergreen: reward points earned on Eterna and Tiara Credit Cards won’t lapse

    Annual fee Annual fee ₹2,499, waived on ₹2,50,000 spend in the preceding card anniversary year from the second year onwards. W.e.f. 1st September 2026, ₹0 joining/first-year fee (limited period offer)

  3. Tiara

    • Reward points on Tiara Credit Card are evergreen

    Annual fee ₹2,499

  4. Uni GoldX Card

    • Uni Coins do not expire and have lifetime validity; if the Card is not used for more than 365 days, the accrued Uni Coins will be nullified

    Annual fee ₹0

CSB Bank

  1. Edge CSB Bank Credit Card

    • Jewels do not expire and have lifetime validity; accrued Jewels are nullified if the credit card is not used for more than 365 days, and all Jewels accrued lapse if outstanding dues are not paid for 90 days

    Annual fee ₹0

HDFC Bank

  1. Marriott Bonvoy HDFC Bank Credit Card

    • Marriott Bonvoy points do not expire as long as members have some qualifying activity in the past 24 months

    Annual fee ₹3,000 + GST

HSBC India

  1. Premier Credit Card

    • Reward points that never expire

    Annual fee ₹20,000

ICICI Bank

  1. MakeMyTrip ICICI Bank Credit Card

    • The myCash earned will never expire post credit in the MakeMyTrip wallet

    Annual fee ₹999 + GST

IDFC FIRST Bank

  1. Diamond Reserve

    • No expiry date on the Reward Points

    Annual fee ₹3,000 + GST

  2. FIRST SWYP

    • No expiry date to the reward points accrued on your FIRST SWYP Credit Card

    Annual fee ₹499 + GST

  3. FIRST WOW! Black Credit Card

    • No expiry date on the Reward Points; your Reward Points are evergreen

    Annual fee ₹750 + GST

  4. Hello Cashback

    • Your Cashback does not expire

    Annual fee ₹1,000 + GST

  5. Quantum+ Credit Card

    • Your cashback does not expire

    Annual fee ₹0

Kotak Mahindra Bank

  1. Indigo Kotak Premium Credit Card

    • IndiGo BluChips have lifetime validity. IndiGo BluChips vouchers credited as welcome, milestone, renewal benefit, have a validity of 6 months from date of issuance

    Annual fee ₹3,000

SBI Card

  1. Cashback SBI Card

    • Your Card Cashback does not expire

    Annual fee Annual fee: Rs. 999 + taxes

  2. IndiGo SBI Card

    • IndiGo BluChips do not expire until there is at least one earn or burn within a span of 2 years

    Annual fee ₹1,499 + GST