What's your stash actually worth?

36 months from accrual (official T&C)

2 years from the STATEMENT MONTH the points post in, not from the spend date — AU's own worked example on the ixigo AU page: "The Reward Points that you receive in the May 2023 statement, if not used, will expire in May 2025." The 5,000-point quarterly milestone carries the same 2-year clock. A redemption needs 200 points in hand and costs ₹99 + GST, so a small dying balance can be unspendable rather than merely expiring.

2 years from the date the points are credited to the CheQ account — AU's own FAQ: "Your reward points are valid for 2 years from the date they are credited into your CheQ account."

hard 3 years from the date of credit (official rewards page)

2 years from earning (CardInsider; official page bot-walled)

36 months from accrual on PowerMiles (24 on Tiga/Selfe) — and the whole balance is nullified if the card goes 365 days unused (official MITC v1.3)

24 months from accrual (official Tiger MITC)

24 months from the transaction date (points earned from 11-Apr-2023)

36 months from the date of earning

2 years from date of membership registration (official IRCTC SBI Premier T&C, w.e.f. 26 Dec 2024)

never — myCash does not expire (official)

3 years from accrual

2 years from the date of accrual (CardInsider; official PDF pending)

never — official; points are credited instantly and never expire

2 years from accrual

12 months from the end of the month earned (Tata Neu HDFC T&C, w.e.f. 1-Aug-2025)

24 months from the credit date (Kotak card rewards T&C)

SuperCoins expire ~12 months from earn

not published — Jupiter defers expiry terms to the in-app rewards dashboard ("Expiry terms, if any, are clearly shown under your rewards dashboard")

not published — terms defer to the in-app rewards dashboard

none — cashback is credited to the statement, not accrued as a balance

2 years from accumulation (Millennia, PIXEL Play and Freedom product T&Cs); the whole balance is nullified if the card sits unused for 365 days, per HDFC's personal MITC

2 years after the cardholder's last transaction involving an eligible earn or use of these points — any single point earned or spent restarts the clock (official IRCTC HDFC Bank Credit Card T&C)

Amazon Pay balance itself does not expire; the gift-card instruments it is issued as carry their own validity per Amazon's terms

none — cashback is credited against the statement, not accrued as a balance

not published — the LIC rewards catalogue T&C sets no accrual expiry, and Axis's card-closure rule (unredeemed points forfeited 30 days after closure) is the only stated fuse

24 months from accrual (official T&C); forfeited at the end of the 13th consecutive month without activity, and 30 days after a voluntary card closure

2 years from receipt (official e-kit FAQ 15); the balance is also forfeited at the end of the 13th month of consecutive non-use, and immediately on flipping to another SBI variant

24 months from accrual (official T&C cl. 11.4i — "Points, if not redeemed, will expire after a period of 24 months from the date of the accrual")

at the completion of every anniversary year (official EazyDiner rewards T&C) — the balance does not roll

3 months from the month of accrual, and it must be redeemed into an RBL Bank Savings Account (official product T&C, all three cards)

3 years from the date of accrual. PNB's MITC for Retail Credit Cards, section T: "The reward points on Credit Cards will be expired if not redeemed within 3 years from the date of accrual." The programme page (pnbcard.in/rewards.html) prints the same rule verbatim and — unlike the ₹-per-point figure two lines above it — has kept it unchanged across every archived snapshot from May 2024 to today. Redemption needs a minimum of 1,000 points in hand, and the card account itself closes after a year unused, which takes the balance with it.

3 years from accrual; unredeemed points lapse the moment the card is closed or surrendered, and points cannot be moved between cards

36 months excluding the month of accrual for bank-awarded points; 12 months for points earned in a campaign or at a partner store

none — the MITC says Uni Coins have lifetime validity, but they are forfeited if the card goes unused for 365 days, on closure, or on death

none — Bandhan's FAQ says "the rewards earned by you on your Bandhan Bank Credit Card come with no expiry period", but the whole balance is forfeited immediately on card closure (Cardholder's Agreement §13.13)

none — credited to the statement within two working days of statement generation, so there is no balance to expire

none published — DBS states no expiry for Spark Cash Points on the product page or MITC

24 months from accrual (Tiga/Selfe) — and the whole balance is nullified if the card goes 365 days unused (official MITC)

forfeited on voluntary closure or 12 months of account inactivity

12 months from accrual — "Niyo Coins are valid for maximum of 12 months from the date they are earned" (official)

24 months — "CRED Reward Points will be valid for 24 months", restated on the same page as "Reward Points will expire after 2 years from date of issuance" (official)

not published on the Axis co-brand page — First Citizen's own programme terms govern the account the points land in, and we have not sourced them

not published — Dhanlaxmi's RuPay pages state the redemption rate but set no expiry on an accrued point

365 days from the date each coin is credited — POP's FAQ says so under both the app and the credit-card sections, and the coin has no transfer partner to escape into

not published — RBL states the redemption rate but sets no expiry on an accrued Fuel Point

not published — CUB's rewards documents state the per-variant rate but set no expiry on an accrued point

3 years from earning, and immediately if the minimum due goes unpaid for 60 days

not published — HSBC's Spencer's Retail page states the redemption rate and the voucher mechanic but sets no expiry on an accrued point

not published — IOB's credit-card page states a redemption catalogue and a per-tier minimum but sets no expiry on an accrued point

not published — Zagg's rewards policy sets no expiry on an accrued coin balance

none — money credited to a card account does not expire (a per-card cashback fuse, like RBL's 3-month validity, belongs on the card, not here)

no fixed expiry date, but an 18-month INACTIVITY fuse, and it is the programme's own rule: clause 11.4.1 of the T&C effective 12 January 2026 says InterMiles accrued after 1 July 2018 "will not have an expiry date, provided that the accruing member has successfully completed at least 1 eligible accrual or redemption (award) Activity … in the preceding 18 months". Accounts are reviewed at the end of every calendar month; a new member's whole balance is reviewed in month 17. Platinum-tier balances are exempt (11.4.12), and anything accrued BEFORE 1 July 2018 expired on its own stamped date regardless of activity.

not published — PMC's rewards page states a minimum redemption threshold and a redemption e-mail address, and sets no validity period on an accrued balance

24 months from accrual, and the whole balance is nullified if the card goes 365 days unused (official MITC v1.3 — same fuse as Selfe; PowerMiles gets 36 months)

three years from the transaction, and a dormancy fee on top — the programme's own T&C, read 2026-08-22 at zillionrewards.in/tnc. Clause 7.5: "Zillion coins are valid for a period of three years from the date of transaction within the Zillion Network." Clause 7.6: after "a continuous period of 24 months" with no earn or redemption, LSRPL "may at its sole discretion debit up to 8 (Eight) Zillion coins, as an Account Maintenance Fee" every month until the member transacts again. Clause 11.4: on the member's death the account closes and "all outstanding Zillion coins will expire." Membership itself is lifetime (7.7) — it is the coins that carry the fuse. The clause numbers moved but the words did not: the 2011 i-mint T&C ran the same three-year clock (6.5, "valid for a period of three years from the date of earning") and the same 24-month dormancy fuse (6.6), which is part of why the two names are one programme.

one year, and it is stated flatly — SBI's Google Pay Flex T&C, clause 11.3: "The Stars have an expiry of 1 year". Axis publishes no expiry clause of its own on its product page, so the one-year fuse is carried from the SBI document and is the programme's rather than one bank's. Earning is also capped at "a maximum of 1500 Stars in a statement cycle" (SBI); Axis states no cap.

never, on the cards that said so — the domestic Rewards page reads "your Reward Points will never expire" and the Diners Club International page calls its points "evergreen". The migrated balances kept that: Axis's FAQ says converted points "will continue to remain never expiring", while points earned AFTER migration expire at three years, or on 365 days with "no transaction, no reward redemption and … not logged in to your EDGE REWARDS portal".

not published on the Taj Epicure page. The sibling Citibank Diners Club International page calls its Club Rewards Points "evergreen" — "you can redeem them whenever you want" — but that is the other card's document and is recorded rather than asserted here.

not published. What the page does state is a REDEMPTION FLOOR rather than an expiry, verbatim: "Accumulate a minimum of 1250 BarclaycardPoints to be eligible for redemption of gifts" — ₹500 of value before anything could be claimed at all.

not published anywhere on the card's page or its second page; recorded as honest absence rather than inferred from the airline programmes it fed

not published on the card page; recorded as honest absence

not published on the card page; recorded as honest absence

not published in the Citi era. Post-migration the balance follows Axis's rule — "your accumulated Turbo points earned until the migration date will be converted to Axis Bank EDGE Miles" and those never expire, while points earned after migration expire at three years or on 365 days of total inactivity.

not published; recorded as honest absence

not published — neither the product sheet nor the 2017 application form's MITC states a lapse rule for reward points, and this is recorded as honest absence rather than inferred. What the document does state is a REDEMPTION FLOOR: "Encashment in multiples of 500 points, subject to a minimum of 500 points" — at one point per ₹200 that is ₹1,00,000 of spend before a single rupee comes back.

ANNUAL, AND CONDITIONAL ON THE THRESHOLD — clause 5.12, verbatim: "Reward points less than minimum eligible points will lapse after end of the financial year." The fuse bites only on a balance below the redemption floor, and that floor is per tier: 500 points for Classic and Gold, 750 for Platinum, 1,000 for Signature. On the Signature that is ₹1,25,000 of spend inside one financial year before a single point survives it.

Not published. Practo's page states the accrual, the peg and the monthly credit and says nothing about a lapse, and RBL never published this card at all — so the desk records the silence rather than borrowing Apollo's 24-month clause.

Not published. The reward block states the accrual, the conversion price and the 1 April 2012 commencement, and names no lapse; the ABLE REWARDS site it defers to no longer resolves. The silence is recorded rather than filled from a sibling programme.

not published — the page states the peg and the redemption venue and sets no lapse on an accrued Railway Point

not published — the page states the par rate and the three redemption rails and sets no lapse on an accrued Auto Point

never — expiry abolished in 2019

activity-based — lapse after 18 months without earning or redeeming

never — Virgin Points stopped expiring in 2020

hard 36 months from accrual

hard 36 months; expired miles buy-back within 6 months at US$10 per 1,000 (150k/yr cap)

hard 3 years from accrual

never — BluChips live as long as the account stays active

hard 24 months from the date earned — no extension (official T&C §5.1)

activity-based — 24 months without earning or redeeming

never — mileage expiration abolished in 2023

hard 36 months from accrual — no activity extension

activity-based — lapse after 24 months without earning

activity-based — lapse after 24 months without earning

never — expiration abolished in 2011

36 months, but reset by any mile-earning transaction — miles stay alive while a co-brand card transacts monthly

hard 3 years from accrual — and some bonus/promo miles die in 12 months

award miles never expire, but the account (and balance) lapses after 60 months without a paid Aegean flight

hard 10 years from accrual — the longest fuse of any airline mile on this index

hard 4–5 years from earning (batch expiries); Diamond members' points never expire

3 years from the year earned, lapsing at month-end; 12-month paid extension (MYR 0.085/pt) if caught within 3 months; Platinum earnings never expire

no accrual expiry — Miles die only after 24 consecutive months of account inactivity (official SUMA FAQ)

never — points don't expire once accrued (official)

36 months from last account activity; extendable up to 12 months for a fee (request ≥6 months before expiry)

miles valid ~36 months (activity-based); redemption-mile expiry not fully republished post-2025 refresh

points expire on inactivity (policy revised 2025) — treat as ~24 months; confirm exact term

miles valid 3 years from the date earned; extendable for a fee

hard 36 months from month-end of accrual (non-rolling — new earning does not extend older miles)

hard 36 months from earning; account also needs ≥1 earn-or-redeem every 18 months to stay active

hard 36 months from flight/credit date (non-rolling); a Mileage Extension Plan can be purchased

36 months from the last LATAM mileage-earning flight; any qualifying flight resets it (soft expiry)

never — points do not expire, no activity requirement

none — points do not expire while the account stays open

24 months from each point's individual earn date (new points don't extend older ones)

4 years from accrual, or indefinite with any earn/redeem activity every 18 months

31 Dec of the 10th year after earning (12th for Diamond+); post-integration the former-Asiana ledger runs 10 years, then auto-converts to SKYPASS

hard 36 months from accrual - no activity extension (official T&C; 5% mile redeposit fee on unused award refunds)

3 years from accrual (Blue/Silver/Gold); 5 years for Platinum (official 'how it works' page)

hard 5 calendar years — miles earned in year N die 31 Dec of year N+5, swept every 31 Dec at 21:00 Beirut time; no activity extension (official T&C)

activity-based — balance zeroes after 3 years with no flight credited; any flight renews the whole balance, but bank/partner/purchased miles never extend (official condiciones de uso)

36 months from the flight/purchase date (Taipei time), expire if unused; the 2026 program lets you restore expired miles for a fee within 6 months and buy miles to top up shortfalls (official FAQ + Purchase Miles page)

36 months from the earning transaction (community-corroborated; official T&C). Transferred miles: 3 calendar years from transfer.

3 years — swept in twice-yearly March/September expiry runs; reinstatable once at US$0.01/mile within 3 months of expiry (+12 months)

activity-based — award miles live as long as the account sees earn or redeem activity every 18 months; 18 months idle = deactivation and forfeiture

unused Petals expire on completion of 3 years (official Orchid Rewards T&C)

activity-based — points forfeit after 24 consecutive months without earn or redeem

1 year from accrual (official service guide, Rewards programme cl. 4); a voluntarily closed card gives you one month to redeem, after which the balance lapses