Cards whose points lapse soonest
By each bank’s own expiry sentence: 1 year first, then 2 years, and so on.
Points valid for 1 year - 8 cards
Purchase Premium Credit CardValid for 1 year · HDFC Bank
Tata Neu Infinity HDFC Bank Credit CardValid for 1 year · HDFC Bank
Tata Neu Plus HDFC Bank Credit CardValid for 1 year · HDFC Bank
MakeMyTrip ICICI Bank Platinum Credit CardValid for 1 year · ICICI Bank
Kotak Cashback+ Credit CardValid for 1 year · Kotak Mahindra Bank
Apollo SBI CardValid for 1 year · SBI Card
slice UPI Credit CardValid for 1 year · Slice Small Finance Bank
YES BANK POP-CLUB Credit CardValid for 1 year · YES Bank
Points valid for 2 years - 133 cards
CheQ AU Credit CardValid for 2 years · AU Small Finance Bank
Assam Rifles The SENTINELValid for 2 years · BOB Financial (BOBCARD)
BOBCARD Micro Enterprise Credit CardValid for 2 years · BOB Financial (BOBCARD)
BUPB BGGB BRKGB PragatiValid for 2 years · BOB Financial (BOBCARD)
CMA OneValid for 2 years · BOB Financial (BOBCARD)
EasyValid for 2 years · BOB Financial (BOBCARD)
EmpowerValid for 2 years · BOB Financial (BOBCARD)
HPCL ENERGIEValid for 2 years · BOB Financial (BOBCARD)
ICAI Exclusive BOBCARDValid for 2 years · BOB Financial (BOBCARD)
ICSI DiamondValid for 2 years · BOB Financial (BOBCARD)
Indian Army YODDHAValid for 2 years · BOB Financial (BOBCARD)
Indian Coast Guard RAKSHAMAHValid for 2 years · BOB Financial (BOBCARD)
Indian Navy VarunahValid for 2 years · BOB Financial (BOBCARD)
IRCTC Credit CardValid for 2 years · BOB Financial (BOBCARD)
PremierValid for 2 years · BOB Financial (BOBCARD)
PRIMEValid for 2 years · BOB Financial (BOBCARD)
SelectValid for 2 years · BOB Financial (BOBCARD)
VikramValid for 2 years · BOB Financial (BOBCARD)
DBS Spark Credit CardValid for 2 years · DBS Bank India- All Miles Credit CardValid for 2 years · HDFC Bank
- Best Price Save Max Credit CardValid for 2 years · HDFC Bank
- Best Price Save Smart Credit CardValid for 2 years · HDFC Bank
- Bharat Credit CardValid for 2 years · HDFC Bank
BizFirst Credit CardValid for 2 years · HDFC Bank
BizGrow Credit CardValid for 2 years · HDFC Bank
BizPower Credit CardValid for 2 years · HDFC Bank
Business Corporate MoneybackValid for 2 years · HDFC Bank- Business Corporate RegaliaValid for 2 years · HDFC Bank
Business Freedom Credit CardValid for 2 years · HDFC Bank
Business MoneyBack Credit CardValid for 2 years · HDFC Bank- Business PlatinumValid for 2 years · HDFC Bank
- Business Regalia Credit CardValid for 2 years · HDFC Bank
Business Regalia FirstValid for 2 years · HDFC Bank
Corporate Platinum Credit CardValid for 2 years · HDFC Bank
Corporate Premium Credit CardValid for 2 years · HDFC Bank
Corporate Visa SignatureValid for 2 years · HDFC Bank- Credit Card Against FDValid for 2 years · HDFC Bank
- CSC Small Business MoneyBack Credit CardValid for 2 years · HDFC Bank
- Diners Club Miles Credit CardValid for 2 years · HDFC Bank
Diners Club Premium Credit CardValid for 2 years · HDFC Bank
Diners Club Privilege Credit CardValid for 2 years · HDFC Bank- Diners Club Rewardz Credit CardValid for 2 years · HDFC Bank
- Doctors Regalia Credit CardValid for 2 years · HDFC Bank
- Doctors Superia Credit CardValid for 2 years · HDFC Bank
Flipkart Wholesale HDFC Bank Credit CardValid for 2 years · HDFC Bank
Freedom Credit CardValid for 2 years · HDFC Bank
Giga Business Credit CardValid for 2 years · HDFC Bank
HDFC Bank Millennia Credit CardValid for 2 years · HDFC Bank
HDFC Bank Regalia Gold Credit CardValid for 2 years · HDFC Bank
HDFC Bank UPI RuPay Biz Credit CardValid for 2 years · HDFC Bank
HDFC Bank UPI RuPay Credit CardValid for 2 years · HDFC Bank
IndianOil HDFC Bank Credit CardValid for 2 years · HDFC Bank
IRCTC HDFC Bank Credit CardValid for 2 years · HDFC Bank
Micro Enterprise Credit CardValid for 2 years · HDFC Bank
MoneyBack+ Credit CardValid for 2 years · HDFC Bank
Paytm Credit CardValid for 2 years · HDFC Bank
Paytm Digital Credit CardValid for 2 years · HDFC Bank
Paytm HDFC Bank Business Credit CardValid for 2 years · HDFC Bank
Paytm HDFC Bank Select Business Credit CardValid for 2 years · HDFC Bank
Paytm Mobile Credit CardValid for 2 years · HDFC Bank
Paytm Select Credit CardValid for 2 years · HDFC Bank
PhonePe HDFC Bank Ultimo Credit CardValid for 2 years · HDFC Bank
PhonePe HDFC Bank Uno Credit CardValid for 2 years · HDFC Bank- Pine Labs Credit CardValid for 2 years · HDFC Bank
Pine Labs HDFC Bank Pro Credit CardValid for 2 years · HDFC Bank
PIXEL Go Credit CardValid for 2 years · HDFC Bank
PIXEL Play Credit CardValid for 2 years · HDFC Bank- Platinum Edge Credit CardValid for 2 years · HDFC Bank
- Platinum Plus Credit CardValid for 2 years · HDFC Bank
- Platinum Times Credit CardValid for 2 years · HDFC Bank
- Regalia Activ Credit CardValid for 2 years · HDFC Bank
- Regalia Credit CardValid for 2 years · HDFC Bank
Regalia First Credit CardValid for 2 years · HDFC Bank
Shoppers Stop Black Credit CardValid for 2 years · HDFC Bank
Shoppers Stop HDFC Bank Credit CardValid for 2 years · HDFC Bank- Solitaire Credit CardValid for 2 years · HDFC Bank
- Superia Credit CardValid for 2 years · HDFC Bank
- Teachers Platinum Credit CardValid for 2 years · HDFC Bank
- Titanium Edge Credit CardValid for 2 years · HDFC Bank
- Titanium Times Card Credit CardValid for 2 years · HDFC Bank
- Visa Signature Credit CardValid for 2 years · HDFC Bank
- World Mastercard Credit CardValid for 2 years · HDFC Bank
Business Max Credit CardValid for 2 years · IDFC FIRST Bank
FIRST ClassicValid for 2 years · IDFC FIRST Bank
FIRST MillenniaValid for 2 years · IDFC FIRST Bank
FIRST SelectValid for 2 years · IDFC FIRST Bank
FIRST WealthValid for 2 years · IDFC FIRST Bank
FIRST WOW!Valid for 2 years · IDFC FIRST Bank
CRED IndusInd Bank RuPay Credit CardValid for 2 years · IndusInd Bank
Corporate Platinum Credit CardValid for 2 years · Kotak Mahindra Bank
IndianOil Kotak Credit CardValid for 2 years · Kotak Mahindra Bank
Kotak NRI Royale Signature Credit CardValid for 2 years · Kotak Mahindra Bank
Kotak Solitaire Business Credit CardValid for 2 years · Kotak Mahindra Bank
Aditya Birla SBI CardValid for 2 years · SBI Card
AIR India SBI Signature CardValid for 2 years · SBI Card
Apollo SBI Card SELECTValid for 2 years · SBI Card
BOM SBI Card ELITEValid for 2 years · SBI Card
BOM SimplySAVE SBI CardValid for 2 years · SBI Card
BPCL SBI CardValid for 2 years · SBI Card
BPCL SBI Card OCTANEValid for 2 years · SBI Card
City Union Bank SimplySAVE SBI CardValid for 2 years · SBI Card
Doctor's SBI CardValid for 2 years · SBI Card
IRCTC SBI Card PremierValid for 2 years · SBI Card
IRCTC SBI Platinum CardValid for 2 years · SBI Card
Karur Vysya Bank SBI Card EliteValid for 2 years · SBI Card
Karur Vysya Bank SBI Card PrimeValid for 2 years · SBI Card
Karur Vysya Bank SBI Signature Credit CardValid for 2 years · SBI Card
Landmark Rewards SBI CardValid for 2 years · SBI Card
Landmark Rewards SBI Card PRIMEValid for 2 years · SBI Card
Landmark Rewards SBI Card SELECTValid for 2 years · SBI Card
Paytm SBI CardValid for 2 years · SBI Card
Paytm SBI Card SELECTValid for 2 years · SBI Card
PhonePe SBI Card SELECT BLACKValid for 2 years · SBI Card
PSB SBI Card ELITEValid for 2 years · SBI Card
PSB SimplySAVE SBI CardValid for 2 years · SBI Card
Reliance SBI CardValid for 2 years · SBI Card
Reliance SBI Card PRIMEValid for 2 years · SBI Card
SBI Card ELITEValid for 2 years · SBI Card
SBI Card Elite BusinessValid for 2 years · SBI Card
SBI Card MILESValid for 2 years · SBI Card
SBI Card MILES ELITEValid for 2 years · SBI Card
SBI Card MILES PRIMEValid for 2 years · SBI Card
SBI Card PRIMEValid for 2 years · SBI Card
SBI Card Prime BusinessValid for 2 years · SBI Card
SBI Card PULSEValid for 2 years · SBI Card
SBI Card UnnatiValid for 2 years · SBI Card
Shaurya Select SBI Credit CardValid for 2 years · SBI Card
SimplyCLICK SBI CardValid for 2 years · SBI Card
SimplySAVE SBI CardValid for 2 years · SBI Card
Titan SBI CardValid for 2 years · SBI Card
UCO Bank SBI Card ELITEValid for 2 years · SBI Card
UCO Bank SimplySAVE SBI CardValid for 2 years · SBI Card
EaseMyTrip Credit CardValid for 2 years · Standard Chartered India
Points valid for 3 years - 46 cards
REWARDS Credit CardValid for 3 years · Axis Bank
BOBCARD Scapia Credit CardValid for 3 years · BOB Financial (BOBCARD)
MasterCard Standard Credit CardValid for 3 years · Canara Bank
Rupay Platinum Credit CardValid for 3 years · Canara Bank
RuPay Select Secured Credit CardValid for 3 years · Canara Bank
VISA Classic Credit CardValid for 3 years · Canara Bank
VISA Gold Secured Credit CardValid for 3 years · Canara Bank
BizBlack Metal Edition Credit CardValid for 3 years · HDFC Bank- Diners Club Black Credit CardValid for 3 years · HDFC Bank
H.O.G Diners Club Credit CardValid for 3 years · HDFC Bank
HDFC Bank Diners Club Black Metal Edition Credit CardValid for 3 years · HDFC Bank
Infinia Metal Credit CardValid for 3 years · HDFC Bank- Alumni Credit CardValid for 3 years · ICICI Bank
ICICI Bank Coral Credit CardValid for 3 years · ICICI Bank
ICICI Bank Emeralde Credit CardValid for 3 years · ICICI Bank
ICICI Bank Emeralde Private Metal Credit CardValid for 3 years · ICICI Bank
ICICI Bank Emirates Emeralde Credit CardValid for 3 years · ICICI Bank
ICICI Bank Emirates Rubyx Credit CardValid for 3 years · ICICI Bank
ICICI Bank Emirates Sapphiro Credit CardValid for 3 years · ICICI Bank
ICICI Bank HPCL Coral Credit CardValid for 3 years · ICICI Bank
ICICI Bank HPCL Super Saver Credit CardValid for 3 years · ICICI Bank
ICICI Bank Parakram Credit CardValid for 3 years · ICICI Bank
ICICI Bank Parakram Select Credit CardValid for 3 years · ICICI Bank
ICICI Bank Rubyx Credit CardValid for 3 years · ICICI Bank
ICICI Bank Sapphiro Credit CardValid for 3 years · ICICI Bank
Times Black ICICI Bank Credit CardValid for 3 years · ICICI Bank
IDBI Bank LICCSL 'Lumine' Credit CardValid for 3 years · IDBI Bank
LIC Select Credit CardValid for 3 years · IDFC FIRST Bank- KVB Eternis Credit CardValid for 3 years · Karur Vysya Bank
- KVB Honour Credit CardValid for 3 years · Karur Vysya Bank
- KVB Platinum Credit CardValid for 3 years · Karur Vysya Bank
Kotak Air+ Prime Credit CardValid for 3 years · Kotak Mahindra Bank
Kotak Solitaire Credit CardValid for 3 years · Kotak Mahindra Bank
Club Vistara SBI CardValid for 3 years · SBI Card
ACE Credit CardValid for 3 years · YES Bank
BYOC Credit CardValid for 3 years · YES Bank
ELITE+ Credit CardValid for 3 years · YES Bank
FinBooster Credit CardValid for 3 years · YES Bank
Klick Credit CardValid for 3 years · YES Bank
MARQUÉE Credit CardValid for 3 years · YES Bank
SELECT Credit CardValid for 3 years · YES Bank
Wellness Credit CardValid for 3 years · YES Bank
Wellness Plus Credit CardValid for 3 years · YES Bank
YES First Business Credit CardValid for 3 years · YES Bank
YES Private Credit CardValid for 3 years · YES Bank
YES Prosperity Business Credit CardValid for 3 years · YES Bank
Other rules - 11 cards
Axis Bank Freecharge Credit CardAnother expiry rule · Axis Bank
IndiGo Axis Bank Premium Credit CardAnother expiry rule · Axis Bank
BOBCARD Etihad Guest Credit CardAnother expiry rule · BOB Financial (BOBCARD)
BOBCARD Etihad Guest PremiumAnother expiry rule · BOB Financial (BOBCARD)
Federal One Co-branded Credit CardAnother expiry rule · Federal Bank
Platinum Aura Edge Credit CardAnother expiry rule · IndusInd Bank
Kotak White Reserve Credit CardAnother expiry rule · Kotak Mahindra Bank
PVR INOX Kotak Credit CardAnother expiry rule · Kotak Mahindra Bank
Signature Banking Credit CardAnother expiry rule · RBL Bank
Platinum Rewards CardAnother expiry rule · Standard Chartered India
VISA Gold Credit CardAnother expiry rule · Union Bank of India
No fixed expiry date - 40 cards
American Express Corporate Green CardNo fixed expiry date · American Express
American Express Corporate Platinum CardNo fixed expiry date · American Express
American Express Membership Rewards Credit CardNo fixed expiry date · American Express
American Express Platinum CardNo fixed expiry date · American Express
American Express Platinum Reserve Credit CardNo fixed expiry date · American Express
American Express Platinum Travel Credit CardNo fixed expiry date · American Express
American Express SmartEarn Credit CardNo fixed expiry date · American Express
AU SPONT Credit CardNo fixed expiry date · AU Small Finance Bank
Bandhan Bank Flare Credit CardNo fixed expiry date · Bandhan Bank
Bandhan Bank Ignite Credit CardNo fixed expiry date · Bandhan Bank
Bandhan Bank Lumina Credit CardNo fixed expiry date · Bandhan Bank
Bandhan Bank Sparks Credit CardNo fixed expiry date · Bandhan Bank
BOBCARD OneNo fixed expiry date · BOB Financial (BOBCARD)
EternaNo fixed expiry date · BOB Financial (BOBCARD)
TiaraNo fixed expiry date · BOB Financial (BOBCARD)
Uni GoldX CardNo fixed expiry date · BOB Financial (BOBCARD)
Edge CSB Bank Credit CardNo fixed expiry date · CSB Bank
Marriott Bonvoy HDFC Bank Credit CardNo fixed expiry date · HDFC Bank
Premier Credit CardNo fixed expiry date · HSBC India
Amazon Pay ICICI Bank Credit CardNo fixed expiry date · ICICI Bank
Ashva Credit CardNo fixed expiry date · IDFC FIRST Bank
Business Multiplier Credit CardNo fixed expiry date · IDFC FIRST Bank
Diamond ReserveNo fixed expiry date · IDFC FIRST Bank
FIRST PrivateNo fixed expiry date · IDFC FIRST Bank
FIRST SWYPNo fixed expiry date · IDFC FIRST Bank
FIRST WOW! Black Credit CardNo fixed expiry date · IDFC FIRST Bank
Gaj Credit CardNo fixed expiry date · IDFC FIRST Bank
Hello CashbackNo fixed expiry date · IDFC FIRST Bank
Mayura Credit CardNo fixed expiry date · IDFC FIRST Bank
Quantum+ Credit CardNo fixed expiry date · IDFC FIRST Bank
Indulge Credit CardNo fixed expiry date · IndusInd Bank
IndusInd Bank PIONEER Private Credit CardNo fixed expiry date · IndusInd Bank
Legend Credit CardNo fixed expiry date · IndusInd Bank
Indigo Kotak Premium Credit CardNo fixed expiry date · Kotak Mahindra Bank
Kotak IndiGo Credit CardNo fixed expiry date · Kotak Mahindra Bank
Lumiere Credit CardNo fixed expiry date · RBL Bank
Cashback SBI CardNo fixed expiry date · SBI Card
Eternal SBI Credit CardNo fixed expiry date · SBI Card
IndiGo SBI CardNo fixed expiry date · SBI Card
IndiGo SBI Card ELITENo fixed expiry date · SBI Card