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What is Credit Card Validity

Credit card companies provide a validity or expiry date to let the user know how long they can use the cards to make transactions. This is done to replace older cards that have endured wear and tear with regular use, to update card technology, as well as to avoid credit card frauds by providing an additional level of security.

How to Check Credit Card Expiry Date

Once the bank has generated a credit card after application approval, it attaches a credit card expiry date to each. You can find the 16-digit credit card number along with the expiry date and cardholder name on the front of the card while the CVV is mentioned on the back. The credit card validity is usually mentioned in the MM/YY format.

For instance, the credit card expiry for the above RBL Supercard is 01/25. This means that the cardholder can use this card physically or online only till January 2025. After that, a new valid CC will be issued to him. It is important to note that it is only your physical credit card that expires, i.e. you cannot use the card for transactions until you receive a new card with the updated expiry date. However, your online account that is linked to the card stays active.

What to do When Your Credit Card Expires

Your physical credit card is only valid till the expiration month mentioned on it. To ensure a smooth transition, most banks allow you to use the card until the end of the month. As banks regularly track credit card validity, they will automatically process your need for a new credit card approximately 30 to 60 days prior to your credit card expiry date, unless you close your account. You would also get the card couriered to your registered address before the current card is rendered invalid. The new card will have a different credit card expiry date and CVV number; in most cases, the credit card number may stay the same.


Do note that some banks may require you to apply for credit card renewal online or by visiting the branch. It is therefore wise to check with your bank about the card renewal policy.

Importance of Credit Card Expiry

1. Regular Card Use Leads to Wear and Tear

In the three to four years that your card is valid, it gets used several times. As a result, the plastic may undergo certain wear and tear. Any scratch or abrasion on the chip might lead to non-functioning of the card at PoS or ATMs after a certain point. Hence, it benefits to get a brand new valid CC after a certain period.

2. Security Against Fraud

Along with a valid credit card number and CVV, your credit card expiry date also needs to be provided while making online credit card transactions. Oftentimes, websites store this data in the system. If, by some misfortune, fraudsters get access to such sensitive information, it could lead to several credit card frauds on your account. However, when your card expires, banks provide you with a replacement card with a new CVV and expiry date, rendering the previous card data on your account invalid. This, in a way, helps avoid any potential credit card scams.

3. Newer, Advanced Features

A lot of banks constantly upgrade their products to provide maximum security. Thus, with a new valid CC, you can expect to get advanced security features such as smart chips or EMVs to protect your credit card information.

4. Works as a Marketing Strategy for Banks

For inactive users, the brand new credit card with an upgraded logo and attractive design acts as a reminder to use the card. Some banks also use the opportunity to market new deals, account upgrades, and other credit card benefits with a new card. This can lead to the customer signing up for an add on credit card or a completely new and upgraded credit card that falls in the elite or privilege category.

Things to Remember About Credit Card Validity

Here are a few things to remember when it comes to the validity of your credit card:

  • The credit card expiry date is only related to the physical card and not the credit card account.

  • The new valid CC that is delivered in place of your existing card will have the same credit card limit and outstanding balance.

  • Sometimes, banks update their terms and conditions upon renewing a credit card. Make sure you look out for any such updates.

  • You might need to generate a new credit card PIN to operate the card.

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FAQs on Credit Card Validity

✔️How long is a credit card valid for?

Typically, a credit card is valid for three years. However, this may vary from bank to bank.

✔️How do you extend credit card validity?

The bank provides a valid credit card number, CVV, and expiry date when issuing the card. You cannot extend this validity on your own. You can only use the card till the end of the credit card expiry month. However, banks generally send a new card 30-60 days prior to your credit card expiry date for your convenience. 

✔️Does credit on a credit card expire?

No, when your credit card validity expires, only the physical card is rendered invalid, while your account remains active. You can access the same account with your new replacement credit card.

✔️Do credit cards expire every 3 years?

The credit card validity depends on the policies of the issuer and may last anywhere between 3-4 years.