What a point is actually worth.

expiry: 2 years from accrual is the DEFAULT, not 3 — HDFC's MITC sets the clock per card variant. 3 years only on Infinia / Infinia Metal / Diners Black / Diners Black Metal / H.O.G Diners Club / BizBlack Metal; 1 year on Easy EMI — but NOT on the PhonePe co-brands, which this line got wrong until 2026-08-15: HDFC's own PhonePe Ultimo Reward Points TnCs and FAQ v2.2 (28-Jul-2026) both say "Unredeemed Reward Points will expire/lapse after 2 years from the date of accumulation", and the Uno documents match; everything else — Regalia Gold and BizPower included, both confirmed in their own reward-programme T&Cs — expires at 2 years. An upgrade, replacement, renewal or re-issue restarts the clock from the transfer date, and the whole balance nullifies if the card sits unused 365 days (official T&C)

expiry: no accrual expiry; forfeited 30 days after card closure or once dues run 90+ days overdue (Oct-2025 rule)

expiry: no accrual expiry; forfeited 30 days after card closure or once dues run 90+ days overdue (Oct-2025 rule)

expiry: never — as long as one MR-earning card stays open

expiry: 3 years from issuance

expiry: hard 3 years, and the clock lands on the MONTH not the day — official T&C §K: miles "expire after three years... at 23:59 hours Singapore time on the last day of the equivalent month in which they were earned" (contest miles die in one year). Account activity never extends it, but a PAID extension does exist and our old "no extension" line was wrong: miles due to expire for the first time can be extended once for a fee — six months for KrisFlyer members, one year for Elite Silver and Elite Gold — bookable up to five months ahead in blocks of up to three consecutive months. Once they have actually expired they cannot be extended. PPS Club members' miles do not expire at all while they hold the tier

expiry: activity-based — lapse after 36 months with no earning or spending

expiry: 3 years from the end of the month earned (official rewards T&C)

expiry: activity-based — forfeited after 24 months without earning activity

expiry: activity-based — any earn every 24 months keeps the balance alive

expiry: lapse after 365 days without points activity

expiry: 24 months from accrual (official T&C) — the shortest fuse on this index

expiry: lapse after 12 months of inactivity (elite members exempt)

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

expiry: 24 months from accrual (official Tiger MITC)

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

expiry: 36 months from the date of earning

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

expiry: 4 years hard; sooner after 18 months of inactivity

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

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

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

expiry: 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

expiry: 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.