SBI Card Reward Points Expiry and Redemption Caps

Last updated: 10 Nov 2026 (Asia/Calcutta). Figures and steps were checked against official issuer and RBI pages on this date. Banks can change fees and app menus; confirm the current schedule before you act.

SBI Card points are easier to lose than they look. Official pages give a 24-month life that ends on the last day of the 24th month, a 30-day redemption window after a voluntary closure, and — from 1 April 2026 — tighter rules if you redeem as a statement credit.

Quick answer: Check expiring points in the SBI Card app or website, or on the statement, as the official Rewards FAQ describes. For most cards, points expire on the last day of the 24th month after they accrue (FAQ example: 15 January 2025 → 31 January 2027). The MITC says AURUM points never expire. If you close the card yourself, redeem within 30 days. From 1 April 2026, statement-credit redemption is officially capped at 60,000 points per card per calendar month and, for most eligible cards, only in multiples of 4,000.

This page is not affiliated with any bank. Phone numbers and emails below are copied from official pages we opened on 10 November 2026. If a page and a PDF disagree, treat the latest official document as the source and keep a screenshot.

The official 24-month expiry rule

SBI Card’s Rewards FAQ, opened on 10 November 2026, answers “Do the Reward Points accrued on my card expire?” in three parts: points are valid for 24 months; if not used in that period they expire and are forfeited on the last day of the 24th month; and you can check how many points expire in the current month on the website, the app, or the monthly statement. The worked example is: points earned on 15 January 2025 remain valid until 31 January 2027.

The MITC repeats the 24-month rule “for all cards except for AURUM” and says AURUM reward points never expire. If you hold AURUM, that is the official exception. If you hold any other variant, do not assume a “lifetime points” marketing line from a third party overrides this MITC language.

Expiry-date calculator

Enter the earn date from your statement or app. The box applies the official FAQ example (last day of the 24th month). It runs in your browser only.

Statement-credit caps from 1 April 2026

SBI Card’s customer-notices page and the Rewards FAQ both describe a 1 April 2026 revision:

• Redemption of reward points for statement credit is capped at 60,000 points per card per calendar month. The FAQ says this applies to all credit cards for which points can be redeemed as statement credit, except Air India SBI Signature Card, and the notice also excepts PhonePe SBI Card PURPLE and PhonePe SBI Card SELECT BLACK. T&Cs apply.
• Statement-credit redemption can be made only in multiples of 4,000 points for eligible cards, changed from 2,000, with the official notices excepting PhonePe SBI Card PURPLE and PhonePe SBI Card SELECT BLACK.

If you have 70,000 points and wanted them all as statement credit in one month, the official cap means you would need to split the redemption across calendar months (and, on eligible cards, in 4,000-point steps). Plan before a large due date, rather than discovering the cap at checkout. Other redemption catalogues may have different rules; this cap language is about statement credit.

Closure, cancellation and transfer

The official FAQ is strict on three operational points:

• You cannot add or transfer points from one SBI Card to another. Redeem only on the card that earned them.
• On voluntary closure, points can be redeemed within 30 days of closure, otherwise they lapse.
• On cancellation for any other reason, accumulated points stand forfeited, but may be reinstated at SBI Card’s discretion if use of the card is reinstated.

If you are closing a card to avoid a renewal fee, redeem first. See SBI Card annual fee waiver and how to close a credit card. A general redemption overview is in our reward redemption guide.

How to check and redeem without losing a month

1. On statement day, open the SBI Card app or website and note “points expiring this month”.
2. If you prefer statement credit, redeem in multiples of 4,000 (unless your card is an official exception) and stay under 60,000 points in that calendar month.
3. If a physical voucher or catalogue item is better value, start early — delivery and processing can run past an expiry date if you wait until the last day.
4. Keep the card account in good standing. A late fee is a separate problem (SBI late-payment charges) and does not freeze the expiry clock.

Official care, if a batch seems wrong, is on the SBI Card contact page: customercare@sbicard.com and the listed helplines. Do not share OTP, PIN or CVV. Related reading on bills is in bill payment and charges.

Written template if points expired and you believe they should not have

Subject: Review of reward points expiry / redemption — SBI Card ending [XXXX]

Dear SBI Card Customer Care,

I am the primary cardholder of SBI Card ending [last 4 digits], variant [name], registered mobile [number].

Please review reward points of [quantity] that [expired / were not redeemed as requested] on [date]. As per the official Rewards FAQ, points are valid until the last day of the 24th month after accrual (example: 15 January 2025 until 31 January 2027). These points were accrued on [date].

[If relevant:] I also request confirmation of the 1 April 2026 statement-credit cap (60,000 points a month) and the 4,000-point multiple as they applied to this card.

Please restore the points if they were removed in error, or explain the official rule that applied, in writing. I will not share my PIN, OTP or CVV.

Thank you.
[Full name]

Worked examples

Example 1: earned 15 March 2025 on SimplyCLICK

The official last-day-of-the-24th-month rule gives an expiry of 31 March 2027. Put a reminder in February 2027, not on 31 March.

Example 2: 80,000 points, statement-credit redemption in April 2026 or later

On an eligible card, the official monthly cap is 60,000 points, in multiples of 4,000. You could redeem 60,000 this calendar month (15 × 4,000) and the remaining 20,000 (5 × 4,000) in the next month, if the points have not expired and the live T&Cs still allow statement credit.

Example 3: voluntary closure on 1 December 2026

The official FAQ gives 30 days from closure to redeem. Redeem in the first week of December, not at the end of the month. If closure is for any reason other than your voluntary request, the FAQ says points stand forfeited.

RBI’s card Directions (updated 1 October 2026) require clear communication of terms. The documents to attach in any dispute are the Rewards FAQ, the MITC and your statement, not a screenshot from a points-calculator app.

FAQ

When do SBI Card reward points expire?

The official Rewards FAQ and the MITC say points are valid for 24 months and, if unused, expire and are forfeited on the last day of the 24th month. The FAQ example: points earned on 15 January 2025 remain valid until 31 January 2027. You can see points expiring in the current month in the SBI Card website or app, and on the monthly statement.

Do AURUM points expire?

The MITC states that for AURUM, reward points never expire. The general 24-month rule is written as applying to all cards except AURUM.

What if I close the card?

The official FAQ says that if you voluntarily close the card, accumulated points can be redeemed within 30 days of closure, otherwise they lapse. If the account is cancelled for any other reason, points stand forfeited, but may be reinstated at SBI Card’s discretion if the card is reinstated.

What changed on 1 April 2026 for statement credit?

Official customer notices and the Rewards FAQ say that, with effect from 1 April 2026, statement-credit redemption is capped at 60,000 points per card per calendar month, and can be made only in multiples of 4,000 points, for eligible cards. Exceptions listed include PhonePe SBI Card PURPLE and PhonePe SBI Card SELECT BLACK, and the 60,000 cap notice also excepts Air India SBI Signature Card. T&Cs apply; confirm on the live notice if you hold a listed exception.

Can I move points from one SBI Card to another?

The official FAQ says no. Points cannot be added or transferred from one SBI Card to another and can be redeemed only on the card on which they were earned.

Where do I check expiry?

SBI Card website or mobile app, and the monthly statement, as the official FAQ describes. Do not rely only on a third-party tracker.

About the author. Written by the Credit Card Customer Care editorial desk. We explain Indian credit-card processes in plain language and link every fee figure to an official issuer or RBI page we opened on the date above. This is general information, not personalised financial, legal or tax advice, and we are not the bank.

Disclaimer: A waiver or reversal is never guaranteed. Spend-based waivers apply only if your card’s current terms say so. After a fee is posted, any reversal is usually a goodwill decision by the issuer. Pay at least the minimum due on time while you wait. Verify charges on your statement and on the issuer’s latest MITC or Key Fact Statement.