The Complete Guide to When Your Credit Card Rewards Points & Miles Expire

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Points and miles expiry

If you have read anything at all about credit cards (and we truly mean anything), the one thing you would have been sure to come across is how to rack up points and miles. And so you diligently use your card and rack up those rewards. All in the hope that your rewards will grow large enough for you to redeem it for something you have always wanted.

But the one thing you never counted on was that your rewards come with an expiry date (and they will likely expire when you aren’t paying attention). And while there are credit cards out there whose rewards have no expiry date, they are the exception and not the rule.

Related: Ultimate Guide to Choosing a Credit Card

Don’t let your credit card rewards points and miles expire with this comprehensive guide

Card Points Type Expiry
American Express Credit Cards
American Express Platinum Credit Card Membership Rewards points No expiry
American Express Platinum Reserve Credit Card Membership Rewards points
American Express Rewards Card Membership Rewards points
American Express Singapore Airlines KrisFlyer Ascend Credit Card KrisFlyer miles 3 years (at the end of the month)
American Express Singapore Airlines KrisFlyer Credit Card KrisFlyer miles
American Express Singapore Airlines PPS Club Credit Card KrisFlyer miles No expiry
American Express Singapore Airlines Solitaire PPS Credit Card KrisFlyer miles No expiry
BOC Credit Cards
BOC Dual Currency Diamond Card Bonus Points 1 year
BOC Elite Miles World Mastercard BOC Rewards Points 1 to 2 years (based on when the points were accumulated)
BOC Great Wall Platinum Card Bonus Points 1 year
Citi Credit Cards
Citi Clear Card Citi Dollars 1 year
Citi PremierMiles Visa Card Citi Miles No expiry
Citi Prestige Card Citi ThankYouSM Points No expiry
Citi Rewards Credit Card Citi ThankYouSM Points Every 5 years / 60 months
DBS Credit Cards
DBS Altitude Card DBS Points No expiry
DBS Black Card DBS Points 1 year
DBS Woman’s Card DBS Points
DBS Woman’s World Card DBS Points
HSBC Credit Cards
HSBC Revolution Credit Card Rewards points 3 years and 1 month (points expire on the last day of the month)
HSBC Visa Infinite Credit Card HSBC Rewards Points
Maybank Credit Cards
Maybank Horizon Visa Signature Card TREATS Points 1 year from the quarter in which the points were earned
Maybank Visa Infinite Card TREATS Points No expiry
Maybank World Mastercard TREATS Points No expiry
OCBC Credit Cards
OCBC Platinum Credit Card OCBC$ 2 years from the last day of the month in which they were earned
OCBC Robinsons Group Credit Card Robs$
OCBC Titanium Rewards Card OCBC$
OCBC VOYAGE Card VOYAGE Miles No expiry
Standard Chartered Credit Cards
Standard Chartered Platinum Visa/Mastercard Credit Card Rewards points 3 years
Standard Chartered Rewards+ Credit Card Rewards points
Standard Chartered Visa Infinite Credit Card Rewards points
UOB Credit Cards
UOB Lady’s Card UNI$ 2 years from the last day of the quarter in which the UNI$ was earned
UOB Preferred Platinum Card UNI$
UOB PRVI Miles Card UNI$
UOB Visa Infinite Metal Card UNI$
UOB Visa Signature Card UNI$

Now that you know exactly when your points are going to (or not going to) expire, go ahead, get earning, and most importantly, get redeeming!

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