PSA: Monitor your Citi Rewards Card points expiry

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Contrary to popular belief, Citi Rewards points don't all last for five years. Find out how it really works and how you can monitor your point expiry dates.

With the recent surge of interest in the Citibank Rewards Visa (no doubt related to the Citi / Apple Pay 8mpd opportunity lasting till 31 July – here are some ways to maximise the benefit if you’ve not already thought about it), I figured it was a good time to address one of the common myths of the Citi Rewards cards (both Visa and Mastercard versions).

Rewards points don’t really last for 5 years

“What’s that?” some of you might ask. It might seem clear as day that they do – after all, that’s what is stated on the card website.

citi rewards 5 years expiry
“Validity of Rewards points is 5 years,” states the card website. Well, it lies.

If you dig deeper into the cardmember’s agreement (the file name is confusingly labelled Clear Platinum Visa, but it’s applicable for the Rewards cards as well – it’s also linked from the card website) and 10x Rewards T&C, you’ll see otherwise.

Dissecting the T&C

On the very first page of the cardmember’s agreement, the term “Citi Dollar period” is defined. This is somewhat confusing because the Citi Rewards website refers to the points simply as ‘Rewards’ (let’s not even go into the ThankYou terminology) but for all practical purposes you can treat these terms as equivalent.

citi dollar period
For Citi Rewards cards, Citi Dollar period = 60 months (5 years) starting from when the card was approved

Next up, there’s the 10x Rewards T&C, where you can fast forward to point #13 and take note of the actual validity of Citi Rewards points:

Citi Rewards points expire 3 months after the end of each Citi Dollar period

Citi Rewards points expire every five years

In short, Citi Rewards points expire every five years (with a 3-month grace period) starting from card approval, not from when the points are earned. This means you will effectively have less than a year to consume some of the points earned in your fifth year – if you’d applied for your card sometime back, you should check to make sure your points aren’t expiring soon.

p.s. some of you might also notice that point #11 seems to imply that the 10x points are capped for five-year periods as well; this is plain wrong – oddly enough, the website is correct this time in stating that “10X Rewards capped at maximum of 120,000 Rewards points per card anniversary year”, which tallies with actual experience by cardholders.

New cards’ points expire Aug 2023

If you apply for a card today and it gets approved within May 2018, what happens then?

Your Citi Dollar period will last for five years (ending in May 2023), so points earned before then will expire three months later (Aug 2023).

Sample timeline

  • May 2018: Card application approved. First Citi Dollar period begins.
  • May 2023: New Citi Dollar period begins. Points earned now expire in Aug 2028.
  • Aug 2023: Points earned in May 2018 – Apr 2023 expire.

I’ve not quite figured out when exactly the transition period begins (the cardmember’s agreement seems to indicate it’s the actual card anniversary date), but in practice just knowing the months involved will suffice for monitoring your Rewards validity.

Checking your Citi Rewards expiry date(s)

Jon has previously written about how to check your Citi Rewards points balance. To check your points expiry date, you can use a computer (i.e. non-mobile interface) to visit Citibank internet banking and access the same ‘Rewards & Offers’ page he’d written about.

Checking citi rewards points expiry 1
Points expiring in the next 60 days highlighted

If you have any points expiring in the next two months, they’ll be helpfully highlighted for you. If not, you’ll see something more reassuring like “0 points expiring”.

You can click ‘View Points expiring in the future (you may need to select a dropdown arrow to expand some text) and you’ll see something like this:

citi rewards expiry 3a
Exact expiry dates are listed

Moral of the story: remember to transfer your Rewards points before they expire!


Citi Rewards points expire every five years, counted from your card approval date (with an additional 3-month grace period). The bulk of your points won’t actually last five full years – do take note of this and remember to redeem your points before they expire!

If you haven’t picked up the card yet, it’s certainly worth considering getting – I regard my Citi Rewards card as among my favourite cards. If you’re an iPhone user, I would definitely recommend getting one as soon as possible to maximise the Apple Pay promotion.

Louis Tan
Louis Tan
Louis believes he caught the premium travel bug after attaining KrisFlyer Elite Gold and occasionally being upgraded while shuttling between the UK, Singapore and Japan (in economy class). These travels have led to a wonderful marriage, as well as a burning desire to avoid flying long-haul economy. He previously travelled with a gryphon plush toy, Griffles, which often stood in for him in vacation photos. Griffles is mostly busy with entertaining a toddler these days, but still manages to continues amusing (and confusing) air stewardesses, hotel staff (and just about everybody else) all around the world.

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I called in to make sure I understood the terms & conditions as you had, Louis. The CSO read off my point expiry by tranche: x points by end Sep-2019 (the 5-year anniversary of my card approval); y points by Jan-2021 (2 years later); and z points with no indicated expiry. The CSO was unable to shed any light on how this tallies with our reading of the terms. I suggest verifying the points on the Citi Rewards card with a CSO as the terms and conditions are not particularly well drafted, in my opinion. Mustn’t let those hard earned… Read more »

Miles Hedgehog

How confusing. If one transfers miles, do they have to be done in 10.000 mile blocks too?


I have the same issue here.

x points by end of Sep-19 (the 5-year anniversary of my card approval);
y points by Jan-2021; and
z points do not expire

30/09/2019 CITI REWARDS WORLD MASTERCARD (xxxx) x points
31/01/2021 CITI REWARDS WORLD MASTERCARD (xxxx) y points
Do Not Expire CITI REWARDS WORLD MASTERCARD (xxxx) z points

That’s weird



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