By Anuj Sharma, founder of COFFER · Published · From each bank’s own page
Points expiring? Use Expiry Rescue
No fixed expiry date
40 cards- American Express Corporate Green Card
No points expiry
See American Express’s exact words
“No Enrollment Fee | No points expiry | No redemption charges”
The bank’s document · read 10 Sept 2026
- American Express Corporate Platinum Card
No points expiry
See American Express’s exact words
“No enrollment fee | No points expiry | No redemption charges”
The bank’s document · read 10 Sept 2026
- American Express Membership Rewards Credit Card
Membership Rewards Points on the FTO tier never expire
See American Express’s exact words
“American Express Membership Rewards® Credit Card# ₹1,000 (1st year) ₹4,500 (2nd year onwards) ₹1,500 FTO 3.5% 42% 3.99% 47.88% [...] **FTO: Frequent Traveler Option. Membership Rewards Points on the FTO tier never expire.”
The bank’s document · read 29 Sept 2026
- American Express Platinum Card
Points never expire
See American Express’s exact words
“The best part? Your points never expire.”
The bank’s document · read 10 Sept 2026
Show 36 more cards
- American Express Platinum Reserve Credit Card
Membership Rewards Points on the FTO tier never expire
See American Express’s exact words
“American Express Platinum Reserve Credit Card-Option 2* ₹10,000 (1st Year) and ₹10,000 (2nd Year onwards) ₹1,500 FTO 3.5% 42% 3.99% 47.88% [...] FTO: Frequent Traveler Option. Membership Rewards Points on the FTO tier never expire.”
The bank’s document · read 7 Oct 2026
- American Express Platinum Travel Credit Card
Membership Rewards points will no longer expire till the Card is active and in good standing; forfeited within 30 days of Card cancellation
See American Express’s exact words
“Beginning 3 May 2022, the Membership Rewards ® points that have been accrued onto your American Express Platinum Travel Credit Card will no longer expire till the Card is active and in good standing. In the event of Card cancellation, initiated either by Card Member or American Express, the Membership Rewards ® points will get forfeited within 30 days of the cancellation.”
The bank’s document · read 29 Sept 2026
- American Express SmartEarn Credit Card
Membership Rewards Points on the FTO tier never expire
See American Express’s exact words
“American Express Smart EarnTM Credit Card## ₹495 (1st Year) & ₹495 (2nd Year Onwards) ₹250 FTO 3.5% 42% 3.99% 47.88% [...] **FTO: Frequent Traveler Option. Membership Rewards Points on the FTO tier never expire.”
The bank’s document · read 29 Sept 2026
- AU SPONT Credit Card
Never‑expiring coins on UPI transactions
See AU Small Finance’s exact words
“Earn never‑expiring coins on UPI transactions.”
The bank’s document · read 29 Sept 2026
- Bandhan Bank Flare Credit Card
Never-expiring rewards
See Bandhan’s exact words
“Never-expiring rewards [...] Evergreen rewards for exciting benefits!”
The bank’s document · read 3 Nov 2026
- Bandhan Bank Ignite Credit Card
Never-expiring rewards
See Bandhan’s exact words
“Never-expiring rewards [...] Evergreen rewards for exciting benefits!”
The bank’s document · read 3 Nov 2026
- Bandhan Bank Lumina Credit Card
Never-expiring rewards
See Bandhan’s exact words
“Never-expiring rewards [...] Evergreen rewards for exciting benefits!”
The bank’s document · read 3 Nov 2026
- Bandhan Bank Sparks Credit Card
Never-expiring rewards
See Bandhan’s exact words
“Never-expiring rewards [...] Evergreen rewards for exciting benefits!”
The bank’s document · read 3 Nov 2026
- 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)
See BOB Financial (BOBCARD)’s exact words
“Reward points do not expire and have lifetime validity, except in circumstances detailed below: ● If the BOBCARD One co-branded Credit Card is not used for more than 365 days, the accrued reward points will be nullified.”
The bank’s document · read 29 Sept 2026
- Eterna
Evergreen: reward points earned on Eterna and Tiara Credit Cards won’t lapse
See BOB Financial (BOBCARD)’s exact words
“Please note reward points on BOBCARD Eterna and BOBCARD Tiara Credit Card are evergreen i.e., reward points earned on Eterna and Tiara Credit Cards won’t lapse.”
The bank’s document · read 3 Nov 2026
- Tiara
Reward points on Tiara Credit Card are evergreen
See BOB Financial (BOBCARD)’s exact words
“Reward points on Eterna & Tiara Credit Card are evergreen i.e. reward points earned on Eterna and Tiara Credit Cards won’t lapse.”
The bank’s document · read 14 Oct 2026
- 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
See BOB Financial (BOBCARD)’s exact words
“Uni Coins do not expire and have lifetime validity, except in circumstances detailed below: If the Card is not used for more than 365 days, the accrued Uni Coins will be nullified.”
The bank’s document · read 29 Sept 2026
- 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
See CSB’s exact words
“Jewels do not expire and have lifetime validity, except in circumstances detailed below: i) If the Credit Card is not used for more than 365 days, the accrued Jewels will be nullified. ii) If the user does not pay their outstanding dues for 90 days, all Jewels accrued will lapse.”
The bank’s document · read 5 Oct 2026
- 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
See HDFC’s exact words
“Marriott Bonvoy points do not expire as long as members have some qualifying activity in the past 24 months, such as points earned via credit card spend, hotel stays, dining, redemptions, etc.”
The bank’s document · read 29 Sept 2026
- Premier Credit Card
Reward points that never expire
See HSBC India’s exact words
“Enjoy reward points that never expire”
The bank’s document · read 29 Sept 2026
- Amazon Pay ICICI Bank Credit Card
Non-expiring
- Ashva Credit Card
Never-expiring reward points; valid till the credit card remains active
See IDFC FIRST’s exact words
“The Ashva Credit Card provides the benefit of never-expiring reward points. The reward points remain valid till the credit card remains active.”
The bank’s document · read 29 Sept 2026
- Business Multiplier Credit Card
No expiry date on the Reward Points; your Reward Points are evergreen
See IDFC FIRST’s exact words
“There is NO expiry date on the Reward Points accrued on your Business Multiplier Bank Credit Card. Your Reward Points are evergreen.”
The bank’s document · read 29 Sept 2026
- Diamond Reserve
No expiry date on the Reward Points
See IDFC FIRST’s exact words
“There is no expiry date on the Reward Points accrued on your IDFC Diamond Reserve Credit Card.”
The bank’s document · read 29 Sept 2026
- FIRST Private
Never expiring Reward Points
- FIRST SWYP
No expiry date to the reward points accrued on your FIRST SWYP Credit Card
See IDFC FIRST’s exact words
“There is NO expiry date to the reward points accrued on your FIRST SWYP Credit Card.”
The bank’s document · read 29 Sept 2026
- FIRST WOW! Black Credit Card
No expiry date on the Reward Points; your Reward Points are evergreen
See IDFC FIRST’s exact words
“There is NO expiry date on the Reward Points accrued on your IDFC FIRST Bank Credit Card. Your Reward Points are evergreen.”
The bank’s document · read 29 Sept 2026
- Gaj Credit Card
Never-expiring reward points; the reward points remain valid till the credit card is active
See IDFC FIRST’s exact words
“The Gaj: Credit Card provides the benefit of never-expiring reward points. The reward points remain valid till the credit card is active.”
The bank’s document · read 29 Sept 2026
- Hello Cashback
Your Cashback does not expire
- Mayura Credit Card
Never-expiring reward points; the reward points remain valid till the credit card is active
See IDFC FIRST’s exact words
“The Mayura Credit Card provides the benefit of never-expiring reward points. The reward points remain valid till the credit card is active.”
The bank’s document · read 29 Sept 2026
- Quantum+ Credit Card
Your cashback does not expire
- Indulge Credit Card
The Reward Points on your IndusInd Bank Indulge Credit Card are valid throughout the lifetime and do not expire.
See IndusInd’s exact words
“Difference is that the Reward Points on your IndusInd Bank Indulge Credit Card are valid throughout the lifetime and do not expire.”
The bank’s document · read 3 Nov 2026
- IndusInd Bank PIONEER Private Credit Card
Reward points are live till the credit card account is live, so customers need not worry about their expiry
See IndusInd’s exact words
“Do Reward Points expire on the PIONEER Private Credit Card? [...] All reward points earned on your Credit Card are live till the credit card account is live. So our customers don't need to worry about the expiry of their reward points.”
The bank’s document · read 1 Nov 2026
- Legend Credit Card
All reward points earned on Legend Credit Card are live till the credit card account is live
See IndusInd’s exact words
“All reward points earned on Legend Credit Card are live till the credit card account is live.”
The bank’s document · read 29 Sept 2026
- 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
See Kotak Mahindra’s exact words
“Note: IndiGo BluChips have lifetime validity. IndiGo BluChips vouchers credited as welcome, milestone, renewal benefit, have a validity of 6 months from date of issuance.”
The bank’s document · read 29 Sept 2026
- Kotak IndiGo Credit Card
IndiGo BluChips have lifetime validity; IndiGo BluChips vouchers credited as welcome, milestone, and renewal benefits have a validity of 6 months from the date of issuance
See Kotak Mahindra’s exact words
“IndiGo BluChips have lifetime validity. IndiGo BluChips vouchers credited as welcome, milestone, and renewal benefits have a validity of 6 months from the date of issuance.”
The bank’s document · read 2 Nov 2026
- Lumiere Credit Card
Reward Points accumulated will have no expiry date
See RBL’s exact words
“Reward Points accumulated will have no expiry date.”
The bank’s document · read 3 Nov 2026
- Cashback SBI Card
Your Card Cashback does not expire
- Eternal SBI Credit Card
Card Cashback does not expire; it is credited to your SBI Card account within two working days of Card statement generation and adjusted automatically in your next statement
See SBI’s exact words
“Your Card Cashback does not expire. The card cashback earned by you is credited to your SBI Card account within two working days of Card statement generation and is adjusted automatically in your next statement.”
The bank’s document · read 20 Oct 2026
- IndiGo SBI Card
IndiGo BluChips do not expire until there is at least one earn or burn within a span of 2 years
See SBI’s exact words
“IndiGo BluChips do not expire until there is at least one earn or burn within a span of 2 years.”
The bank’s document · read 29 Sept 2026
- IndiGo SBI Card ELITE
IndiGo BluChips do not expire until there is at least one earn or burn within a span of 2 years
See SBI’s exact words
“IndiGo BluChips do not expire until there is at least one earn or burn within a span of 2 years.”
The bank’s document · read 20 Oct 2026
Valid for 3 years
46 cards- REWARDS Credit Card
EDGE REWARD Points / EDGE Miles are valid for 3 years from the earning date and will expire if not redeemed; the Bank will reserve the right to forfeit unredeemed EDGE REWARD Points / EDGE Miles post 30 days of your credit card closure or if the minimum amount due on your credit card is outstanding for more than 90 days
See Axis’s exact words
“As per the program policy, EDGE REWARD Points / EDGE Miles are valid for 3 years from the earning date and will expire if not redeemed. [...] The Bank will reserve the right to forfeit unredeemed EDGE REWARD Points / EDGE Miles post 30 days of your credit card closure or if the minimum amount due on your credit card is outstanding for more than 90 days.”
The bank’s document · read 2 Nov 2026
- BOBCARD Scapia Credit Card
Scapia Coins have 36 months validity (nullified if the BOBCARD Scapia Credit Card is not used for more than 365 days)
See BOB Financial (BOBCARD)’s exact words
“Scapia Coins have 36 months validity, except in circumstances detailed below: ● If the BOBCARD Scapia Credit Card is not used for more than 365 days, the accrued Scapia coins will be nullified.”
The bank’s document · read 29 Sept 2026
- MasterCard Standard Credit Card
Validity of reward points is 3 years from the date of accrual.
See Canara’s exact words
“Validity of reward points is 3 years from the date of accrual.”
The bank’s document · read 2 Nov 2026
- Rupay Platinum Credit Card
Validity of reward points is 3 years from the date of accrual.
See Canara’s exact words
“Validity of reward points is 3 years from the date of accrual.”
The bank’s document · read 2 Nov 2026
Show 42 more cards
- RuPay Select Secured Credit Card
Validity of reward points is 3 years from the date of accrual.
See Canara’s exact words
“Validity of reward points is 3 years from the date of accrual.”
The bank’s document · read 2 Nov 2026
- VISA Classic Credit Card
Validity of reward points is 3 years from the date of accrual.
See Canara’s exact words
“Validity of reward points is 3 years from the date of accrual.”
The bank’s document · read 2 Nov 2026
- VISA Gold Secured Credit Card
Validity of reward points is 3 years from the date of accrual.
See Canara’s exact words
“Validity of reward points is 3 years from the date of accrual.”
The bank’s document · read 2 Nov 2026
- BizBlack Metal Edition Credit Card
Reward points are valid for 3 years
See HDFC’s exact words
“except for Infinia / Infinia (Metal Edition )/ Diners Black Metal Edition/ Diners Black Card / BizBlack Metal Card for which reward points are valid for 3 years”
The bank’s document · read 29 Sept 2026
- Diners Club Black Credit Card
Reward points are valid for 3 years
See HDFC’s exact words
“except for Infinia / Infinia (Metal Edition )/ Diners Black Metal Edition/ Diners Black Card / BizBlack Metal Card for which reward points are valid for 3 years”
The bank’s document · read 29 Sept 2026
- H.O.G Diners Club Credit Card
Rewards Points are valid only for 3 years from the date of accumulation.
See HDFC’s exact words
“Rewards Points are valid only for 3 years from the date of accumulation.”
The bank’s document · read 2 Nov 2026
- HDFC Bank Diners Club Black Metal Edition Credit Card
Reward points are valid for 3 years
See HDFC’s exact words
“except for Infinia / Infinia (Metal Edition )/ Diners Black Metal Edition/ Diners Black Card / BizBlack Metal Card for which reward points are valid for 3 years”
The bank’s document · read 29 Sept 2026
- Infinia Metal Credit Card
Reward points are valid only for 3 years from the date of accumulation
See HDFC’s exact words
“Reward points are valid only for 3 years from the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Alumni Credit Card
36 months from the date of issuance
See ICICI’s exact words
“Reward points have expiry of 36 months from the date of issuance.”
The bank’s document · read 29 Sept 2026
- ICICI Bank Coral Credit Card
Reward points have expiry of 36 months from the date of issuance
See ICICI’s exact words
“Reward points have expiry of 36 months from the date of issuance.”
The bank’s document · read 20 Oct 2026
- ICICI Bank Emeralde Credit Card
36 months from the date of issuance
See ICICI’s exact words
“Reward points have expiry of 36 months from the date of issuance.”
The bank’s document · read 29 Sept 2026
- ICICI Bank Emeralde Private Metal Credit Card
Reward points have expiry of 36 months from the date of issuance
See ICICI’s exact words
“Reward points have expiry of 36 months from the date of issuance.”
The bank’s document · read 29 Sept 2026
- ICICI Bank Emirates Emeralde Credit Card
Valid for three years from the date of the flight or partner transaction that earned them
See ICICI’s exact words
“Skywards Miles earned are valid for three years from the date of the flight or partner transaction that earned them.”
The bank’s document · read 29 Sept 2026
- ICICI Bank Emirates Rubyx Credit Card
Skywards Miles are valid for a period of three years from the date on which a Member undertakes the relevant flight or enters into the applicable transaction with a Partner
See ICICI’s exact words
“Skywards Miles are valid for a period of three years from the date on which a Member undertakes the relevant flight or enters into the applicable transaction with a Partner.”
The bank’s document · read 20 Oct 2026
- ICICI Bank Emirates Sapphiro Credit Card
Valid for a period of three years from the date on which a Member undertakes the relevant flight or enters into the applicable transaction with a Partner
See ICICI’s exact words
“Skywards Miles are valid for a period of three years from the date on which a Member undertakes the relevant flight or enters into the applicable transaction with a Partner.”
The bank’s document · read 5 Oct 2026
- ICICI Bank HPCL Coral Credit Card
36 months from the date of issuance
See ICICI’s exact words
“Reward points have expiry of 36 months from the date of issuance.”
The bank’s document · read 29 Sept 2026
- ICICI Bank HPCL Super Saver Credit Card
Reward points have expiry of 36 months from the date of issuance
See ICICI’s exact words
“Reward points have expiry of 36 months from the date of issuance.”
The bank’s document · read 29 Sept 2026
- ICICI Bank Parakram Credit Card
Reward points have expiry of 36 months from the date of issuance
See ICICI’s exact words
“Reward points have expiry of 36 months from the date of issuance.”
The bank’s document · read 29 Sept 2026
- ICICI Bank Parakram Select Credit Card
Reward points have expiry of 36 months from the date of issuance
See ICICI’s exact words
“Reward points have expiry of 36 months from the date of issuance.”
The bank’s document · read 29 Sept 2026
- ICICI Bank Rubyx Credit Card
Reward points have expiry of 36 months from the date of issuance
See ICICI’s exact words
“Reward points have expiry of 36 months from the date of issuance.”
The bank’s document · read 29 Sept 2026
- ICICI Bank Sapphiro Credit Card
Reward points have expiry of 36 months from the date of issuance
See ICICI’s exact words
“Reward points have expiry of 36 months from the date of issuance.”
The bank’s document · read 29 Sept 2026
- Times Black ICICI Bank Credit Card
Reward points have expiry of 36 months from the date of issuance
See ICICI’s exact words
“Reward points have expiry of 36 months from the date of issuance.”
The bank’s document · read 29 Sept 2026
- IDBI Bank LICCSL 'Lumine' Credit Card
Points credited to the customers will have an expiry period of 3 years
See IDBI’s exact words
“Points Expiry Period: Points credited to the customers will have an expiry period of 3 years. However, points credited under a campaign or through a promotional offer will have an expiry period of 1 year only.”
The bank’s document · read 29 Sept 2026
- LIC Select Credit Card
Rewards earned on LIC IDFC FIRST Bank Credit Cards have a validity of 3 years
See IDFC FIRST’s exact words
“Rewards earned on LIC IDFC FIRST Bank Credit Cards have a validity of 3 years.”
The bank’s document · read 29 Sept 2026
- KVB Eternis Credit Card
Unclaimed reward points will be lapsed once in 3 years or if Minimum Amount Due (MAD) is not paid more than 60 days
See Karur Vysya’s exact words
“Unclaimed reward points will be lapsed once in 3 years or if Minimum Amount Due (MAD) is not paid more than 60 days”
The bank’s document · read 2 Nov 2026
- KVB Honour Credit Card
Unclaimed reward points will be lapsed once in 3 years or if Minimum Amount Due (MAD) is not paid more than 60 days
See Karur Vysya’s exact words
“Unclaimed reward points will be lapsed once in 3 years or if Minimum Amount Due (MAD) is not paid more than 60 days”
The bank’s document · read 2 Nov 2026
- KVB Platinum Credit Card
Unclaimed reward points will be lapsed once in 3 years or if Minimum Amount Due (MAD) is not paid more than 60 days
See Karur Vysya’s exact words
“Unclaimed reward points will be lapsed once in 3 years or if Minimum Amount Due (MAD) is not paid more than 60 days”
The bank’s document · read 2 Nov 2026
- Kotak Air+ Prime Credit Card
Air Miles expire 3 Years from the date of accrual
See Kotak Mahindra’s exact words
“Air Miles Expiry 3 Years from the date of accrual”
The bank’s document · read 27 Oct 2026
- Kotak Solitaire Credit Card
Air Miles expire after 3 years from the date of credit
See Kotak Mahindra’s exact words
“Air Miles expire after 3 years from the date of credit.”
The bank’s document · read 2 Nov 2026
- Club Vistara SBI Card
Club Vistara Points can only be accumulated for a period of 36 months from the date of activity under the Club Vistara Membership program
See SBI’s exact words
“Club Vistara Points can only be accumulated for a period of 36 months from the date of activity under the Club Vistara Membership program.”
The bank’s document · read 2 Nov 2026
- ACE Credit Card
Reward points earned on eligible YES BANK Credit Cards expire after 3 years from the date of earning; applicable only to credit cards with reward points as a product feature
See YES’s exact words
“Reward point earned on eligible YES BANK Credit Cards will expire after 3 years from the date of earning. This expiry is applicable only to credit cards with Reward points as a product feature.”
The bank’s document · read 20 Oct 2026
- BYOC Credit Card
Reward points earned will expire after 3 years from the date of earning; applicable only to credit cards with Reward points as a product feature; for credit card offering cashback, refer to the respective product webpage for rewards validity and expiry information
See YES’s exact words
“Reward point earned on eligible YES BANK Credit Cards will expire after 3 years from the date of earning. This expiry is applicable only to credit cards with Reward points as a product feature. For credit card offering cashback or co-brand partner reward currency, please refer the respective product webpage for the applicable rewards validity and expiry related information.”
The bank’s document · read 21 Oct 2026
- ELITE+ Credit Card
Reward points earned on eligible YES BANK Credit Cards expire after 3 years from the date of earning; applicable only to credit cards with reward points as a product feature
See YES’s exact words
“Reward point earned on eligible YES BANK Credit Cards will expire after 3 years from the date of earning. This expiry is applicable only to credit cards with Reward points as a product feature.”
The bank’s document · read 20 Oct 2026
- FinBooster Credit Card
Reward points earned on eligible YES BANK Credit Cards expire after 3 years from the date of earning; applicable only to credit cards with reward points as a product feature
See YES’s exact words
“Reward point earned on eligible YES BANK Credit Cards will expire after 3 years from the date of earning. This expiry is applicable only to credit cards with Reward points as a product feature.”
The bank’s document · read 21 Oct 2026
- Klick Credit Card
Reward points earned on eligible YES BANK Credit Cards expire after 3 years from the date of earning; applicable only to credit cards with reward points as a product feature
See YES’s exact words
“Reward point earned on eligible YES BANK Credit Cards will expire after 3 years from the date of earning. This expiry is applicable only to credit cards with Reward points as a product feature.”
The bank’s document · read 20 Oct 2026
- MARQUÉE Credit Card
Reward points expire after 3 years from the date of earning (applicable only to credit cards with reward points as a product feature)
See YES’s exact words
“Reward point earned on eligible YES BANK Credit Cards will expire after 3 years from the date of earning. This expiry is applicable only to credit cards with Reward points as a product feature.”
The bank’s document · read 20 Oct 2026
- SELECT Credit Card
Reward points earned on eligible YES BANK Credit Cards expire after 3 years from the date of earning; applicable only to credit cards with reward points as a product feature
See YES’s exact words
“Reward point earned on eligible YES BANK Credit Cards will expire after 3 years from the date of earning. This expiry is applicable only to credit cards with Reward points as a product feature.”
The bank’s document · read 20 Oct 2026
- Wellness Credit Card
Reward point earned on eligible YES BANK Credit Cards will expire after 3 years from the date of earning (applicable only to credit cards with Reward points as a product feature)
See YES’s exact words
“Reward point earned on eligible YES BANK Credit Cards will expire after 3 years from the date of earning. This expiry is applicable only to credit cards with Reward points as a product feature.”
The bank’s document · read 27 Oct 2026
- Wellness Plus Credit Card
Reward points expire after 3 years from the date of earning
See YES’s exact words
“Reward point earned on eligible YES BANK Credit Cards will expire after 3 years from the date of earning. This expiry is applicable only to credit cards with Reward points as a product feature.”
The bank’s document · read 6 Nov 2026
- YES First Business Credit Card
Reward points earned on eligible YES BANK Credit Cards expire after 3 years from the date of earning; applicable only to credit cards with reward points as a product feature
See YES’s exact words
“Reward point earned on eligible YES BANK Credit Cards will expire after 3 years from the date of earning. This expiry is applicable only to credit cards with Reward points as a product feature.”
The bank’s document · read 21 Oct 2026
- YES Private Credit Card
Reward point earned on eligible YES BANK Credit Cards will expire after 3 years from the date of earning (applicable only to credit cards with Reward points as a product feature)
See YES’s exact words
“Reward point earned on eligible YES BANK Credit Cards will expire after 3 years from the date of earning. This expiry is applicable only to credit cards with Reward points as a product feature.”
The bank’s document · read 27 Oct 2026
- YES Prosperity Business Credit Card
Reward points expire after 3 years from the date of earning
See YES’s exact words
“Reward point earned on eligible YES BANK Credit Cards will expire after 3 years from the date of earning. This expiry is applicable only to credit cards with Reward points as a product feature.”
The bank’s document · read 6 Nov 2026
Valid for 2 years
133 cards- CheQ AU Credit Card
Your reward points are valid for 2 years from the date they are credited into your CheQ account
See AU Small Finance’s exact words
“Your reward points are valid for 2 years from the date they are credited into your CheQ account.”
The bank’s document · read 29 Sept 2026
- Assam Rifles The SENTINEL
Reward Points are valid only for 2 years from the date of accumulation
See BOB Financial (BOBCARD)’s exact words
“Reward Points are valid only for 2 years from the date of accumulation i.e., reward points will expire automatically if not redeemed/used within 2 years.”
The bank’s document · read 3 Nov 2026
- BOBCARD Micro Enterprise Credit Card
Reward Points are valid only for 2 years from the date of accumulation and will expire automatically if not redeemed/used within 2 years
See BOB Financial (BOBCARD)’s exact words
“A) For all cards (except Uni GoldX, Scapia, Etihad Guest & Guest Premium): [...] Reward Points are valid only for 2 years from the date of accumulation i.e. reward points will expire automatically if not redeemed/used within 2 years.”
The bank’s document · read 2 Nov 2026
- BUPB BGGB BRKGB Pragati
Reward Points are valid only for 2 years from the date of accumulation
See BOB Financial (BOBCARD)’s exact words
“Reward Points are valid only for 2 years from the date of accumulation i.e., reward points will expire automatically if not redeemed/used within 2 years.”
The bank’s document · read 3 Nov 2026
Show 129 more cards
- CMA One
Reward Points are valid only for 2 years from the date of accumulation
See BOB Financial (BOBCARD)’s exact words
“Reward Points are valid only for 2 years from the date of accumulation i.e., reward points will expire automatically if not redeemed/used within 2 years.”
The bank’s document · read 3 Nov 2026
- Easy
Reward Points are valid only for 2 years from the date of accumulation
See BOB Financial (BOBCARD)’s exact words
“Reward Points are valid only for 2 years from the date of accumulation i.e., reward points will expire automatically if not redeemed/used within 2 years.”
The bank’s document · read 3 Nov 2026
- Empower
Reward Points are valid only for 2 years from the date of accumulation
See BOB Financial (BOBCARD)’s exact words
“Reward Points are valid only for 2 years from the date of accumulation i.e., reward points will expire automatically if not redeemed/used within 2 years.”
The bank’s document · read 3 Nov 2026
- HPCL ENERGIE
Reward Points are valid only for 2 years from the date of accumulation
See BOB Financial (BOBCARD)’s exact words
“Reward Points are valid only for 2 years from the date of accumulation i.e., reward points will expire automatically if not redeemed/used within 2 years.”
The bank’s document · read 3 Nov 2026
- ICAI Exclusive BOBCARD
Reward Points are valid only for 2 years from the date of accumulation
See BOB Financial (BOBCARD)’s exact words
“Reward Points are valid only for 2 years from the date of accumulation i.e., reward points will expire automatically if not redeemed/used within 2 years.”
The bank’s document · read 3 Nov 2026
- ICSI Diamond
Reward Points are valid only for 2 years from the date of accumulation
See BOB Financial (BOBCARD)’s exact words
“Reward Points are valid only for 2 years from the date of accumulation i.e. reward points will expire automatically if not redeemed/used within 2 years.”
The bank’s document · read 14 Oct 2026
- Indian Army YODDHA
Reward Points are valid only for 2 years from the date of accumulation
See BOB Financial (BOBCARD)’s exact words
“Reward Points are valid only for 2 years from the date of accumulation i.e. reward points will expire automatically if not redeemed/used within 2 years.”
The bank’s document · read 14 Oct 2026
- Indian Coast Guard RAKSHAMAH
Reward Points are valid only for 2 years from the date of accumulation
See BOB Financial (BOBCARD)’s exact words
“Reward Points are valid only for 2 years from the date of accumulation i.e. reward points will expire automatically if not redeemed/used within 2 years.”
The bank’s document · read 14 Oct 2026
- Indian Navy Varunah
Reward Points are valid only for 2 years from the date of accumulation
See BOB Financial (BOBCARD)’s exact words
“Reward Points are valid only for 2 years from the date of accumulation i.e. reward points will expire automatically if not redeemed/used within 2 years.”
The bank’s document · read 14 Oct 2026
- IRCTC Credit Card
Reward Points are valid only for 2 years from the date of accumulation
See BOB Financial (BOBCARD)’s exact words
“Reward Points are valid only for 2 years from the date of accumulation i.e. reward points will expire automatically if not redeemed/used within 2 years.”
The bank’s document · read 14 Oct 2026
- Premier
Reward Points are valid only for 2 years from the date of accumulation
See BOB Financial (BOBCARD)’s exact words
“Reward Points are valid only for 2 years from the date of accumulation i.e. reward points will expire automatically if not redeemed/used within 2 years.”
The bank’s document · read 14 Oct 2026
- PRIME
Reward Points are valid only for 2 years from the date of accumulation
See BOB Financial (BOBCARD)’s exact words
“Reward Points are valid only for 2 years from the date of accumulation i.e. reward points will expire automatically if not redeemed/used within 2 years.”
The bank’s document · read 14 Oct 2026
- Select
Reward Points are valid only for 2 years from the date of accumulation
See BOB Financial (BOBCARD)’s exact words
“Reward Points are valid only for 2 years from the date of accumulation i.e. reward points will expire automatically if not redeemed/used within 2 years.”
The bank’s document · read 14 Oct 2026
- Vikram
Reward Points are valid only for 2 years from the date of accumulation
See BOB Financial (BOBCARD)’s exact words
“Reward Points are valid only for 2 years from the date of accumulation i.e. reward points will expire automatically if not redeemed/used within 2 years.”
The bank’s document · read 14 Oct 2026
- DBS Spark Credit Card
Cash Points are valid only for 2 years from the date of accrual
See DBS Bank India’s exact words
“Cash Points are valid only for 2 years from the date of accrual.”
The bank’s document · read 29 Sept 2026
- All Miles Credit Card
Valid only for 2 years
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Best Price Save Max Credit Card
Valid only for 2 years
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Best Price Save Smart Credit Card
Valid only for 2 years
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Bharat Credit Card
Unredeemed reward points expire after 2 years of accumulation
See HDFC’s exact words
“Unredeemed reward points expire after 2 years of accumulation.”
The bank’s document · read 29 Sept 2026
- BizFirst Credit Card
Cash Points are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“Cash Points are valid only for 2 years from the date of accumulation”
The bank’s document · read 29 Sept 2026
- BizGrow Credit Card
Unredeemed Cash Points expire/lapse after 2 years of accumulation
See HDFC’s exact words
“Unredeemed Cash Points will expire/lapse after 2 year of accumulation”
The bank’s document · read 11 Sept 2026
- BizPower Credit Card
Reward Points /CashPoints are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Business Corporate Moneyback
Reward points are valid for up to 2 years
See HDFC’s exact words
“Reward points are valid for up to 2 years”
The bank’s document · read 11 Sept 2026
- Business Corporate Regalia
Reward points valid for up to 2 years
See HDFC’s exact words
“Reward points are valid for up to 2 years”
The bank’s document · read 11 Sept 2026
- Business Freedom Credit Card
Reward Points /CashPoints are valid only for 2 years
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Business MoneyBack Credit Card
Reward points are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“Reward points are valid only for 2 years from the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Business Platinum
Reward Points /CashPoints are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Business Regalia Credit Card
Reward Points /CashPoints are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Business Regalia First
Reward Points /CashPoints are valid only for 2 years
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Corporate Platinum Credit Card
Rewards Points are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“Rewards Points are valid only for 2 years from the date of accumulation”
The bank’s document · read 29 Sept 2026
- Corporate Premium Credit Card
Reward Points valid up to 2 years
See HDFC’s exact words
“Reward Points are valid up to 2 years”
The bank’s document · read 11 Sept 2026
- Corporate Visa Signature
Reward Points are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“Reward Points are valid only for 2 years from the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Credit Card Against FD
Reward Points/CashPoints are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- CSC Small Business MoneyBack Credit Card
Unredeemed Reward Points will expire/lapse after 2 years of accumulation
See HDFC’s exact words
“Unredeemed Reward Points will expire/lapse after 2 years of accumulation”
The bank’s document · read 29 Sept 2026
- Diners Club Miles Credit Card
Reward Points /CashPoints are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Diners Club Premium Credit Card
Reward Points and CashPoints are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 5 Oct 2026
- Diners Club Privilege Credit Card
Reward Points/CashPoints are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“Reward Point Validity: Reward Points/CashPoints are valid only for 2 years from the date of accumulation.”
The bank’s document · read 19 Oct 2026
- Diners Club Rewardz Credit Card
Reward Points /CashPoints are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Doctors Regalia Credit Card
Reward points are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“Reward points are valid only for 2 years from the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Doctors Superia Credit Card
Reward points valid for 2 years from the date of accumulation
See HDFC’s exact words
“Reward points are valid only for 2 years from the date of accumulation.”
The bank’s document · read 11 Sept 2026
- Flipkart Wholesale HDFC Bank Credit Card
Unredeemed Reward Points will expire/lapse after 2 years of accumulation
See HDFC’s exact words
“Unredeemed Reward Points will expire/lapse after 2 years of accumulation”
The bank’s document · read 11 Sept 2026
- Freedom Credit Card
Unredeemed CashPoints will expire/lapse after 2 years of accumulation
See HDFC’s exact words
“Unredeemed CashPoints will expire/lapse after 2 years of accumulation”
The bank’s document · read 20 Oct 2026
- Giga Business Credit Card
Unredeemed Cash Points will expire/lapse after 2 year of accumulation
See HDFC’s exact words
“Unredeemed Cash Points will expire/lapse after 2 year of accumulation”
The bank’s document · read 29 Sept 2026
- HDFC Bank Millennia Credit Card
Unredeemed Reward Points expire/lapse after 2 years
See HDFC’s exact words
“Unredeemed Reward Points expire/lapse after 2 years.”
The bank’s document · read 29 Sept 2026
- HDFC Bank Regalia Gold Credit Card
Reward points are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“3. Reward points are valid only for 2 years from the date of accumulation.”
The bank’s document · read 29 Sept 2026
- HDFC Bank UPI RuPay Biz Credit Card
Unredeemed CashPoints expire after 2 years of accumulation
See HDFC’s exact words
“Unredeemed CashPoints will expire/lapse after 2 years of accumulation”
The bank’s document · read 11 Sept 2026
- HDFC Bank UPI RuPay Credit Card
Unredeemed cashpoints will expire/ lapse after 2 years of accumulation
See HDFC’s exact words
“Unredeemed cashpoints will expire/ lapse after 2 years of accumulation”
The bank’s document · read 11 Sept 2026
- IndianOil HDFC Bank Credit Card
Valid for a period of 2 years
See HDFC’s exact words
“Fuel Points are valid for a period of 2 years.”
The bank’s document · read 29 Sept 2026
- IRCTC HDFC Bank Credit Card
2 years from the date of earning the reward points
See HDFC’s exact words
“Reward Points Validity 2 years, from the date of earning the reward points”
The bank’s document · read 12 Sept 2026
- Micro Enterprise Credit Card
Reward Points /CashPoints are valid only for 2 years
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- MoneyBack+ Credit Card
Unredeemed CashPoints will expire/lapse after 2 years of accumulation
See HDFC’s exact words
“Unredeemed CashPoints will expire/ lapse after 2 years of accumulation”
The bank’s document · read 12 Sept 2026
- Paytm Credit Card
Reward Points /CashPoints are valid only for 2 years
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Paytm Digital Credit Card
Reward Points/CashPoints are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“a. Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Paytm HDFC Bank Business Credit Card
Reward Points /CashPoints are valid only for 2 years
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Paytm HDFC Bank Select Business Credit Card
Reward Points /CashPoints are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“a. Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Paytm Mobile Credit Card
Reward Points valid for 2 years from date of accumulation
See HDFC’s exact words
“Reward Point Validity: Reward Points/CashPoints are valid only for 2 years from the date of accumulation. e.g.: - if you have received Reward Points in the month of May 2015, then the same will expire in May 2017, except for Infinia / Infinia (Metal Edition)/ Diners Black Metal Edition/ Diners Black Card/ BizBlack Metal Card for which reward points are valid for 3 years”
The bank’s document · read 7 Oct 2026
- Paytm Select Credit Card
Reward Points /CashPoints are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“a. Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- PhonePe HDFC Bank Ultimo Credit Card
Unredeemed Reward Points will expire/lapse after 2 years from the date of accumulation
See HDFC’s exact words
“Unredeemed Reward Points will expire/lapse after 2 years from the date of accumulation.”
The bank’s document · read 12 Sept 2026
- PhonePe HDFC Bank Uno Credit Card
Unredeemed Reward Points will expire/lapse after 2 years from the date of accumulation
See HDFC’s exact words
“Unredeemed Reward Points will expire/lapse after 2 years from the date of accumulation.”
The bank’s document · read 12 Sept 2026
- Pine Labs Credit Card
Valid only for 2 years
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Pine Labs HDFC Bank Pro Credit Card
Valid only for 2 years
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- PIXEL Go Credit Card
PIXEL CashPoints valid for 2 years from date of accumulation
See HDFC’s exact words
“PIXEL CashPoints are valid for 2 years from the date of accumulation.”
The bank’s document · read 11 Sept 2026
- PIXEL Play Credit Card
PIXEL CashPoints are valid for 2 years from the date of accumulation
See HDFC’s exact words
“PIXEL CashPoints are valid for 2 years from the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Platinum Edge Credit Card
Valid only for 2 years
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Platinum Plus Credit Card
Valid only for 2 years
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Platinum Times Credit Card
Reward Points will remain valid for 2 years from the date of earning
See HDFC’s exact words
“Reward Points will remain valid for 2 years from the date of earning.”
The bank’s document · read 13 Sept 2026
- Regalia Activ Credit Card
Valid only for 2 years
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Regalia Credit Card
Reward Points valid for 2 years from the date of accumulation
See HDFC’s exact words
“Reward Points are valid for only 2 years from the date of accumulation.”
The bank’s document · read 12 Sept 2026
- Regalia First Credit Card
Valid only for 2 years from the date of accumulation
See HDFC’s exact words
“a. Reward Point Validity: Reward Points/CashPoints are valid only for 2 years from the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Shoppers Stop Black Credit Card
Reward Points are valid for 2 years
- Shoppers Stop HDFC Bank Credit Card
Reward Points are valid for 2 years
- Solitaire Credit Card
Reward Points /CashPoints are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Superia Credit Card
Unredeemed Reward Points will expire/ lapse after 2 years of accumulation
See HDFC’s exact words
“Unredeemed Reward Points will expire/ lapse after 2 years of accumulation.”
The bank’s document · read 29 Sept 2026
- Teachers Platinum Credit Card
Reward Points /CashPoints are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Titanium Edge Credit Card
Reward Points /CashPoints are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Titanium Times Card Credit Card
Reward Points are valid for 2 years from the date they are accrued
See HDFC’s exact words
“Reward Points are valid for 2 years from the date they are accrued.”
The bank’s document · read 13 Sept 2026
- Visa Signature Credit Card
Reward Points /CashPoints are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- World Mastercard Credit Card
Reward Points /CashPoints are valid only for 2 years from the date of accumulation
See HDFC’s exact words
“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”
The bank’s document · read 29 Sept 2026
- Business Max Credit Card
Reward points will be valid for 24 months from their respective transaction dates
See IDFC FIRST’s exact words
“Reward points will be valid for 24 months, giving you ample time to redeem them atyour convenience i.e. Reward Points earned from July 2026 statement cycle will be valid for 24 months from their respective transaction dates”
The bank’s document · read 29 Sept 2026
- FIRST Classic
Reward Points will be valid for 24 months from the date they are credited
See IDFC FIRST’s exact words
“Reward Points will be valid for 24 months from the date they are credited. For e.g., Reward Points earned from July 2026 statement cycle will be valid for 24 months from the date they are credited.”
The bank’s document · read 29 Sept 2026
- FIRST Millennia
Reward Points are valid for 24 months from the date they are credited
See IDFC FIRST’s exact words
“Reward Points are valid for 24 months from the date they are credited.”
The bank’s document · read 29 Sept 2026
- FIRST Select
Reward Points will be valid for 24 months from the date they are credited
See IDFC FIRST’s exact words
“Reward Points will be valid for 24 months from the date they are credited.”
The bank’s document · read 29 Sept 2026
- FIRST Wealth
Reward Points are valid for 24 months from the date they are credited
See IDFC FIRST’s exact words
“Reward Points are valid for 24 months from the date they are credited and can be redeemed across a wide variety of options.”
The bank’s document · read 29 Sept 2026
- FIRST WOW!
Reward Points are valid for 24 months from the date they are credited
See IDFC FIRST’s exact words
“Please note that Reward Points are valid for 24 months from the date they are credited.”
The bank’s document · read 29 Sept 2026
- CRED IndusInd Bank RuPay Credit Card
CRED Reward Points will be valid for 24 months; Reward Points will expire after 2 years from date of issuance
See IndusInd’s exact words
“CRED Reward Points will be valid for 24 months. [...] Reward Points will expire after 2 years from date of issuance”
The bank’s document · read 2 Nov 2026
- Corporate Platinum Credit Card
Reward points if not redeemed will expire after 2 years from the date on which they are earned
See Kotak Mahindra’s exact words
“Reward points if not redeemed will expire after 2 years from the date on which they are earned.”
The bank’s document · read 2 Nov 2026
- IndianOil Kotak Credit Card
Reward points if not redeemed will expire after 2 years from the date on which they are earned. Bank will not send any prior intimation of reward point expiry to the customer.
See Kotak Mahindra’s exact words
“The Reward Points Program is applicable only to [...] IndianOil Kotak Credit Card, 6E Rewards IndiGo Kotak Credit Card [...] Reward points if not redeemed will expire after 2 years from the date on which they are earned. Bank will not send any prior intimation of reward point expiry to the customer.”
The bank’s document · read 2 Nov 2026
- Kotak NRI Royale Signature Credit Card
Reward points if not redeemed will expire after 2 years from the date on which they are earned
See Kotak Mahindra’s exact words
“The Reward Points Program is applicable only to Kotak Infinite Card [...] Silk Inspire Platinum Credit Card and NRI Royale Signature Cards [...] Reward points if not redeemed will expire after 2 years from the date on which they are earned.”
The bank’s document · read 2 Nov 2026
- Kotak Solitaire Business Credit Card
Reward points if not redeemed will expire after 2 years from the date on which they are earned
See Kotak Mahindra’s exact words
“Reward points if not redeemed will expire after 2 years from the date on which they are earned.”
The bank’s document · read 2 Nov 2026
- Aditya Birla SBI Card
24 months
See SBI’s exact words
“Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM). Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month.”
The bank’s document · read 29 Sept 2026
- AIR India SBI Signature Card
24 months
See SBI’s exact words
“Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM). Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month.”
The bank’s document · read 29 Sept 2026
- Apollo SBI Card SELECT
24 months
See SBI’s exact words
“Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM). Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month.”
The bank’s document · read 29 Sept 2026
- BOM SBI Card ELITE
Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM); Reward Points not redeemed within this period will expire and be forfeited on the last day of the 24th month
See SBI’s exact words
“Reward Point Expiry: Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM). Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month.”
The bank’s document · read 2 Nov 2026
- BOM SimplySAVE SBI Card
Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM); Reward Points not redeemed within this period will expire and be forfeited on the last day of the 24th month
See SBI’s exact words
“Reward Point Expiry: Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM). Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month.”
The bank’s document · read 2 Nov 2026
- BPCL SBI Card
24 months
See SBI’s exact words
“Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM). Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month.”
The bank’s document · read 29 Sept 2026
- BPCL SBI Card OCTANE
24 months
See SBI’s exact words
“Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM). Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month.”
The bank’s document · read 29 Sept 2026
- City Union Bank SimplySAVE SBI Card
Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM); Reward Points not redeemed within this period will expire and be forfeited on the last day of the 24th month
See SBI’s exact words
“Reward Point Expiry: Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM). Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month.”
The bank’s document · read 2 Nov 2026
- Doctor's SBI Card
Reward Points are valid for a period of 24 months; if not redeemed within this period, they expire and are forfeited on the last day of the 24th month
See SBI’s exact words
“Reward Point Expiry: Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM). Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month.”
The bank’s document · read 20 Oct 2026
- IRCTC SBI Card Premier
Reward points will be valid for a period of 2 years from the date of member's registration
See SBI’s exact words
“With effect from 26th December'24, Reward points will be valid for a period of 2 years from the date of member's registration.”
The bank’s document · read 29 Sept 2026
- IRCTC SBI Platinum Card
Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month
See SBI’s exact words
“Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month”
The bank’s document · read 15 Sept 2026
- Karur Vysya Bank SBI Card Elite
Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month
See SBI’s exact words
“Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month”
The bank’s document · read 15 Sept 2026
- Karur Vysya Bank SBI Card Prime
Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month
See SBI’s exact words
“Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month”
The bank’s document · read 15 Sept 2026
- Karur Vysya Bank SBI Signature Credit Card
Reward Points accrued under the Rewards Program are valid for a period of 24 months
See SBI’s exact words
“Reward Point Expiry: Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM).”
The bank’s document · read 29 Sept 2026
- Landmark Rewards SBI Card
Valid for a period of 24 months
See SBI’s exact words
“Reward Point Expiry: Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM).”
The bank’s document · read 29 Sept 2026
- Landmark Rewards SBI Card PRIME
24 months
See SBI’s exact words
“Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM). Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month.”
The bank’s document · read 29 Sept 2026
- Landmark Rewards SBI Card SELECT
Valid for a period of 24 months
See SBI’s exact words
“Reward Point Expiry: Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM).”
The bank’s document · read 29 Sept 2026
- Paytm SBI Card
Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month
See SBI’s exact words
“Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month”
The bank’s document · read 15 Sept 2026
- Paytm SBI Card SELECT
Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month
See SBI’s exact words
“Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month”
The bank’s document · read 15 Sept 2026
- PhonePe SBI Card SELECT BLACK
Reward Points are valid for 2 years from the date of receipt; the Reward Point balance is forfeited at the end of the 13th month if the Cardholder does not initiate any transaction on the Card for a period of 13 consecutive months
See SBI’s exact words
“Reward Points are valid for 2 years from the date of receipt. [...] In the event that the Cardholder does not initiate any transaction on his Card for a period of 13 consecutive months, the Reward Point balance shall be forfeited at the end of the 13th month.”
The bank’s document · read 20 Oct 2026
- PSB SBI Card ELITE
Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM); Reward Points not redeemed within this period will expire and be forfeited on the last day of the 24th month
See SBI’s exact words
“Reward Point Expiry: Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM). Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month.”
The bank’s document · read 2 Nov 2026
- PSB SimplySAVE SBI Card
Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM); Reward Points not redeemed within this period will expire and be forfeited on the last day of the 24th month
See SBI’s exact words
“Reward Point Expiry: Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM). Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month.”
The bank’s document · read 2 Nov 2026
- Reliance SBI Card
Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month
See SBI’s exact words
“Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month”
The bank’s document · read 15 Sept 2026
- Reliance SBI Card PRIME
Reward Points are valid for a period of 24 months
See SBI’s exact words
“Reward Point Expiry: Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM).”
The bank’s document · read 15 Sept 2026
- SBI Card ELITE
Reward Points accrued under the Rewards Program are valid for a period of 24 months
See SBI’s exact words
“Reward Point Expiry: Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM).”
The bank’s document · read 29 Sept 2026
- SBI Card Elite Business
24 months
See SBI’s exact words
“Reward Point Expiry: Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM).”
The bank’s document · read 15 Sept 2026
- SBI Card MILES
24 months
See SBI’s exact words
“Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM).”
The bank’s document · read 15 Sept 2026
- SBI Card MILES ELITE
Travel Credits are valid for 2 years from the date of receipt
See SBI’s exact words
“Do Travel Credits expire? Travel Credits are valid for 2 years from the date of receipt.”
The bank’s document · read 29 Sept 2026
- SBI Card MILES PRIME
Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month
See SBI’s exact words
“Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month”
The bank’s document · read 15 Sept 2026
- SBI Card PRIME
Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month
See SBI’s exact words
“Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month”
The bank’s document · read 9 Sept 2026
- SBI Card Prime Business
Reward Points valid for 24 months
See SBI’s exact words
“Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM).”
The bank’s document · read 15 Sept 2026
- SBI Card PULSE
Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM); Reward Points not redeemed within this period will expire and be forfeited on the last day of the 24th month
See SBI’s exact words
“Reward Point Expiry: Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM). Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month.”
The bank’s document · read 20 Oct 2026
- SBI Card Unnati
Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM); Reward Points not redeemed within this period will expire and be forfeited on the last day of the 24th month
See SBI’s exact words
“Reward Point Expiry: Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM). Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month.”
The bank’s document · read 20 Oct 2026
- Shaurya Select SBI Credit Card
Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM); Reward Points not redeemed within this period will expire and be forfeited on the last day of the 24th month
See SBI’s exact words
“Reward Point Expiry: Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM). Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month.”
The bank’s document · read 2 Nov 2026
- SimplyCLICK SBI Card
Reward Points accrued under the Rewards Program are valid for a period of 24 months
See SBI’s exact words
“Reward Point Expiry: Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM).”
The bank’s document · read 29 Sept 2026
- SimplySAVE SBI Card
Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month
See SBI’s exact words
“Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month”
The bank’s document · read 15 Sept 2026
- Titan SBI Card
Reward Points accrued under the Rewards Program are valid for a period of 24 months
See SBI’s exact words
“Reward Point Expiry: Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM). Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month.”
The bank’s document · read 29 Sept 2026
- UCO Bank SBI Card ELITE
Reward Points accrued under the Rewards Program are valid for a period of 24 months
See SBI’s exact words
“Reward Point Expiry: Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM). Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month.”
The bank’s document · read 29 Sept 2026
- UCO Bank SimplySAVE SBI Card
Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM); Reward Points not redeemed within this period will expire and be forfeited on the last day of the 24th month
See SBI’s exact words
“Reward Point Expiry: Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM). Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month.”
The bank’s document · read 2 Nov 2026
- EaseMyTrip Credit Card
Reward points on EaseMyTrip credit card expires within 2 years from the date on which they are earned
See Standard Chartered India’s exact words
“Reward points on EaseMyTrip credit card expires within 2 years from the date on which they are earned.”
The bank’s document · read 29 Sept 2026
Valid for 1 year
8 cards- Purchase Premium Credit Card
Expires after 12 months
See HDFC’s exact words
“The reward point will expire after a period of 12 months.”
The bank’s document · read 13 Sept 2026
- Tata Neu Infinity HDFC Bank Credit Card
Effective 25-Nov-2026: Tata NeuCoins must be claimed through the Tata Neu App within 12 months from the statement date in which they were earned; unclaimed Tata NeuCoins expire. Claimed Tata NeuCoins are valid for another 12 months from the date of credit in your Tata Neu Membership Account
See HDFC’s exact words
“Effective 25-Nov-2026, to use your Tata NeuCoins earned on Tata Neu HDFC Bank Credit Card spends, primary card holder has to claim them through the Tata Neu App. [...] Tata NeuCoins earned on your Tata Neu HDFC Bank Credit Card can be claimed within12 months from the statement date in which it was earned. Unclaimed Tata NeuCoins will expire after this period. [...] The claimed Tata NeuCoins will be valid for another12 months from the date of credit of Tata NeuCoins in your Tata Neu Membership Account, after which they will expire as per the Tata Neu Rewards Program Terms & Conditions.”
The bank’s document · read 3 Nov 2026
- Tata Neu Plus HDFC Bank Credit Card
Effective 25-Nov-2026: Tata NeuCoins must be claimed through the Tata Neu App within 12 months from the statement date in which they were earned; unclaimed Tata NeuCoins expire. Claimed Tata NeuCoins are valid for another 12 months from the date of credit in your Tata Neu Membership Account
See HDFC’s exact words
“Effective 25-Nov-2026, to use your Tata NeuCoins earned on Tata Neu HDFC Bank Credit Card spends, primary card holder has to claim them through the Tata Neu App. [...] Tata NeuCoins earned on your Tata Neu HDFC Bank Credit Card can be claimed within12 months from the statement date in which it was earned. Unclaimed Tata NeuCoins will expire after this period. [...] The claimed Tata NeuCoins will be valid for another12 months from the date of credit of Tata NeuCoins in your Tata Neu Membership Account, after which they will expire as per the Tata Neu Rewards Program Terms & Conditions.”
The bank’s document · read 3 Nov 2026
- MakeMyTrip ICICI Bank Platinum Credit Card
My Cash earned is valid for one year post credit in My Wallet of the CoBranded Credit Cardholder
See ICICI’s exact words
“My Cash earned with regard to the MakeMyTrip ICICI Bank Credit Card shall be valid for a period of o<ne> (<01>) year post credit in My Wallet of the CoBranded Credit Cardholder”
The bank’s document · read 30 Oct 2026
Show 4 more cards
- Kotak Cashback+ Credit Card
Unclaimed cashback will expire in 1 year
See Kotak Mahindra’s exact words
“Unclaimed cashback will expire in 1 year”
The bank’s document · read 29 Sept 2026
- Apollo SBI Card
Points accumulated that are not redeemed by the Cardholder for rewards within 12 months of his / her Enrolment Date can be carried over for another Enrolment Year. Any Points not used by the end of second such year after Enrolment shall lapse and be forfeited.
See SBI’s exact words
“Points accumulated that are not redeemed by the Cardholder for rewards within 12 months of his / her Enrolment Date can be carried over for another Enrolment Year. Any Points not used by the end of second such year after Enrolment shall lapse and be forfeited.”
The bank’s document · read 2 Nov 2026
- slice UPI Credit Card
Expiry of monies: In the event the cardholder voluntarily closes their slice credit card, or if the account is closed due to inactivity for a continuous period of one year, or any other circumstance as the Bank may determine, any unredeemed monies shall lapse and stand forfeited
See Slice Small Finance’s exact words
“Expiry of monies: In the event the cardholder voluntarily closes their slice credit card, or if the account is closed due to inactivity for a continuous period of one year, or any other circumstance as the Bank may determine, any unredeemed monies shall lapse and stand forfeited.”
The bank’s document · read 3 Nov 2026
- YES BANK POP-CLUB Credit Card
POPcoins will expire after 365 days (1 year) from the date of credit
See YES’s exact words
“POPcoins will expire after 365 days (1 year) from the date of credit.”
The bank’s document · read 27 Oct 2026
Other rules
11 cards- Axis Bank Freecharge Credit Card
The Bank will reserve the right to forfeit unredeemed EDGE REWARD Points post 30 days of your credit card closure or if the minimum amount due is outstanding for more than 90 days
See Axis’s exact words
“The Bank will reserve the right to forfeit unredeemed EDGE REWARD Points / EDGE Miles post 30 days of your credit card closure or if the minimum amount due on your credit card is outstanding for more than 90 days.”
The bank’s document · read 3 Nov 2026
- IndiGo Axis Bank Premium Credit Card
The validity of the IndiGo Bluchips shall be governed by IndiGo & IndiGo BluChip Terms and Conditions; the bank has no role in determining the validity of the IndiGo BluChips
See Axis’s exact words
“The validity & redemption value of the IndiGo Bluchips shall be governed by IndiGo & IndiGo BluChip Terms and Conditions. The bank has no role in determining the validity or the redemption value of the IndiGo BluChips”
The bank’s document · read 2 Nov 2026
- BOBCARD Etihad Guest Credit Card
The validity of the Etihad Guest Miles is as per your Etihad Guest Tier
See BOB Financial (BOBCARD)’s exact words
“The validity of the Etihad Guest Miles is as per your Etihad Guest Tier.”
The bank’s document · read 2 Nov 2026
- BOBCARD Etihad Guest Premium
Validity of the Etihad Guest Miles is as per your Etihad Guest Tier
See BOB Financial (BOBCARD)’s exact words
“Validity of the Etihad Guest Miles is as per your Etihad Guest Tier.”
The bank’s document · read 29 Sept 2026
Show 7 more cards
- Federal One Co-branded Credit Card
Once the Federal Bank One Co-Branded Credit Card account is closed, reward points not redeemed stand nullified
See Federal’s exact words
“You specifically acknowledge that once your Federal Bank One Co-Branded Credit Card account is closed, the privileges (including but not limited to all benefits and services accrued, reward points not redeemed etc) of the Federal Bank One Co-Branded Credit Card stand nullified.”
The bank’s document · read 2 Nov 2026
- Platinum Aura Edge Credit Card
All Reward Points earned are live till the IndusInd Bank Platinum Aura Edge Credit Card account is live.
See IndusInd’s exact words
“All Reward Points earned are live till the IndusInd Bank Platinum Aura Edge Credit Card account is live.”
The bank’s document · read 3 Nov 2026
- Kotak White Reserve Credit Card
White Pass balance remains valid for an additional 90 days after every anniversary cycle; Every year on the anniversary date the wallet will be reset to zero
See Kotak Mahindra’s exact words
“White Pass balance remains valid for an additional 90 days after every anniversary cycle. [...] Maximum White Pass value of ₹2,50,000 can be accumulated in a year on White Reserve Credit Card. Every year on the anniversary date the wallet will be reset to zero.”
The bank’s document · read 2 Nov 2026
- PVR INOX Kotak Credit Card
Eligible codes for any given month have to be claimed within 2 monthly billing cycles; The tickets are valid for a period of 60 days from the date of claim
See Kotak Mahindra’s exact words
“Eligible codes for any given month have to be claimed within 2 monthly billing cycles [...] The tickets are valid for a period of 60 days from the date of claim(Date of claim refers to the date on which the customers have claimed M Coupons)”
The bank’s document · read 2 Nov 2026
- Signature Banking Credit Card
Valid for 3 months from the month of accrual. Post 3 months the Cashback will expire and cannot be redeemed
See RBL’s exact words
“will be valid for 3 months from the month of accrual. Post 3 months the Cashback will expire and cannot be redeemed.”
The bank’s document · read 2 Nov 2026
- Platinum Rewards Card
Redeem your reward points and vouchers before their expiry dates
See Standard Chartered India’s exact words
“You will want to redeem your reward points and vouchers before their expiry dates.”
The bank’s document · read 2 Nov 2026
- VISA Gold Credit Card
Reward Points earned by the Cardholder are subjected to an expiry. In the event of the Credit Card being closed by the bank or voluntarily closed by the Cardholder, the Reward Points that are accumulated in the Card Account will automatically lapse.
See Union Bank of India’s exact words
“Reward Points earned by the Cardholder are subjected to an expiry. [...] In the event of the Credit Card being closed by the bank or voluntarily closed by the Cardholder, the Reward Points that are accumulated in the Card Account will automatically lapse.”
The bank’s document · read 2 Nov 2026
Points when you close the card
Many banks also say what happens to points left on a card when it is closed. That rule is on each card's own page, in the bank's words, beside the expiry line.
If your card is not on this page
A card missing here has no expiry sentence in the documents we hold for it. That is not the same as a line saying its points never expire.
How this page is kept
Every card line here is read from the same register as the card's own page, so when a bank changes its rule, this page changes with it. Nothing here is a recommendation or financial advice.



















