Points expiry is a real thing. There are ways to extend the expiry of Airmiles and hotel points. However, credit card points can’t be extended as they expire hard. Only a few Credit Card issuers come with no points expiry. So, it is good to know when your credit card points expire.
American Express Credit Card Points Expiry
Your Amex points don’t expire till the card is active. So, you can accumulate your points as you would.
Axis Bank Credit Card Points Expiry
Axis Bank Credit Card points are valid for three years from the date of allotment. Three years is a long period to use your edge reward points.
HDFC Bank Credit Card Points Expiry
Only Infinia, Diners Black and H.O.G Diners Club credit card points are valid for three years from earning, whereas for other HDFC credit cards, the reward points expire after two years.
So, the HDFC Super Premium credit card gets one year of extra points validity.
HSBC Credit Card Points Expiry
HSBC has different points expiration policies for different credit cards.
The Gold, Smart Value Card & Classic credit card points expire at the end of 2nd card anniversary year. For HSBC Platinum Credit Points, the validity is three years.
And HSBC Premier Credit Card Points never expire.
IDFC First Bank Credit Card Points Expiry
Reward points of all IDFC First Bank credit cards never expire.
IndusInd Bank Credit Card Points Expiry
IndusInd Bank Credit Card points don’t have any expiry as long as your credit card is active.
Kotak Mahindra Bank Credit Card Points Expiry
Kotak Mahindra Bank Reward points are valid for two years from the day these points are earned.
RBL Bank Credit Card Points Expiry
RBL bank credit card points come with a hard expiry of 24 months.
Standard Chartered Bank Credit Card Points Expiry
Standard Chartered Reward points earned in a calendar year expire by June next year. For Example, reward points earned in 2023 will expire on 30th June 2024.
Yes Bank Credit Card Points Expiry
Earlier, Yes Bank reward points had no expiration. However, Yes Bank Reward points now expire after 36 months, excluding the month of accrual.
Read More: Yes Bank Rewards Subscription Plan
Summary
| Credit Card | Expiry |
| American Express | Never Expires |
| Axis Bank | Three Years |
| HDFC Bank | Three Years: Infinia, DCB, HOG Two Years: Others |
| HSBC | Never Expires: Premier Three Years: Platinum Two Years: Others |
| IDFC First Bank | Never Expires |
| IndusInd Bank | Never Expires |
| Kotak Mahindra Bank | 2 Years |
| RBL Bank | 24 Months |
| Standard Chartered | 6 Months From Year End |
| Yes Bank | 36 Months |
Is there a way to track the expiration of your credit card points?
There is no definite way to track the expiration of your credit card points. There is no parity between banks to show credit card points expiry. For Example, HDFC Bank shows credit card points expiry in the bank statement, but at the same time, Yes Bank doesn’t show it.
Here is how HDFC Bank shows the points expiring in the next 30 and 60 days.
So, if your credit card points expire, you must keep track of them.
Bottomline
Credit Card Point Expiry is real. However, few credit card points never expire, whereas some banks give more validity of points to super premium credit cards.
