In the miles game, there’s probably no worse feeling than seeing your hard-earned points expire.
What’s annoying is that even if you know the expiry policies inside out, not every bank makes it easy to check your points expiry date. Some only show points expiring in the next 3-6 months, others bury the details in the eStatement, still others require you to pick up the phone and call!
Without a complete picture of the “vintage” of your points, it’s hard to make redemption plans, so here’s a rundown of which banks make tracking expiry easy — and which don’t.
How do banks fare on points expiry transparency?
Here’s my overall bank-by-bank scorecard for points expiry transparency.
| Bank | Expiry Transparency | Remarks |
 |
N/A | MR points do not expire |
 |
Good | Shows expiry date for all points (eStatement only) |
 |
Very Poor | Only shows points expiring in the next 3 months (eStatement only) |
 |
Very Good | Full breakdown of expiry dates for all points on PayLah! |
 |
Poor | Only shows points expiring in the next 6 months |
 |
Average | Only shows next batch of expiring points |
 |
Very Poor | Only shows points expiring in the next 3 months |
 |
Very Good | Shows expiry date for all points |
 |
Average | Only shows next batch of expiring points |
Generally speaking, there are three ways of checking your points expiry date:
- App
- Online banking
- eStatement
Checking expiry dates via the app or online banking is the most convenient, but it’ll surprise you how many banks don’t offer this feature. In some cases, you’ll need to go the extra step of generating your eStatement, whic,h while not a herculean task, does require a bit more effort.
Even when the information is readily available online, it may not be granular enough for decision making. For example, OCBC tells me that I have no points expiring in the next three months. That’s great…but it doesn’t really answer my question: when do my points actually expire?
American Express
|
| 💳 Points Expiry Policy |
| Membership Rewards points do not expire. |
Membership Rewards points do not expire, so there’s nothing to check here.
Bank of China
|
||||||||
| 💳 Points Expiry Policy | ||||||||
|
BOC Points are valid for 12-24 months, depending on when they were earned.
|
||||||||
| ❓ Expiry Transparency | ||||||||
| Good |
App & online banking
The BOC app and online banking show your points balance, but don’t have any information about points expiry.
eStatement
Your points expiry date can be found in the eStatement.
Citi
 |
| 💳 Points Expiry Policy |
|
ThankYou points expire five years (plus a 3-month grace period) from the card’s approval or renewal date (not from the date they are earned). Citi Miles, and ThankYou points earned on the Citi Prestige and Citi ULTIMA do not expire. |
| ❓ Expiry Transparency |
| Very Poor |
App & online banking
While you can view your points balance through the Citi app and online banking, you cannot check your points expiry online, following the decommissioning of the ThankYou portal in early 2024.
eStatement
The eStatement will display points which are expiring within the next three months, but nothing beyond that.
DBS
|
| 💳 Points Expiry Policy |
|
DBS Points expire one year from the quarterly period in which they were earned (i.e. 12-15 months validity), except for:
|
| ❓ Expiry Transparency |
| Very Good |
App & online banking
The DBS PayLah! app will show a breakdown of expiry for all your DBS Points. To check this, log in to DBS PayLah! > Rewards > DBS Points.
eStatement
The eStatement will display points expiring at the end of the current calendar quarter, but nothing beyond that.
HSBC
|
| 💳 Points Expiry Policy |
| HSBC Points expire at the end of the 37th month after they were earned (i.e. 36-37 months validity). For example, points earned from 1-31 August 2026 expire on 30 September 2029. |
| ❓ Expiry Transparency |
| Poor |
App & online banking
The HSBC Singapore app shows points expiring in the next six months only.
To check this, log in to the HSBC Singapore app > Cards > Redeem your points > Show points history.
eStatement
The eStatement shows points expiring in the next four months only.
Maybank
|
| 💳 Points Expiry Policy |
|
Maybank TREATS Points expire one year from the quarterly period in which they were earned (i.e. 12-15 months validity). Rewards Infinite members enjoy non-expiring points. Maybank Visa Infinite and World Mastercard are automatically enrolled into Rewards Infinite, while Maybank Horizon Visa Signature cardmembers will qualify when they spend at least S$24,000 in a 12-month membership year. |
| ❓ Expiry Transparency |
| Average |
App & online banking
The Maybank TREATS SG app displays the expiry date of the next batch of expiring TREATS Points, but not the rest of your balance.
To find this, log in to the TREATS SG app > My Profile > My Account
eStatement
The eStatement will show the next batch of expiring TREATS Points, but not the rest of your balance.
OCBC
|
| 💳 Points Expiry Policy |
|
OCBC$ expire 24 months after they are earned, on the last day of that month (i.e. 24-25 months validity). 90°N Miles and VOYAGE Miles do not expire. |
| ❓ Expiry Transparency |
| Very Poor |
App & online banking
OCBC’s app and online banking interface only shows OCBC$ expiring in the next three months.
To check this, log in to internet banking > Rewards.
eStatement
The eStatement is supposed to contain further information on OCBC rewards points, but for the past few months, all that’s displayed is a message about “system maintenance”.
Standard Chartered
|
| 💳 Points Expiry Policy |
| 360° Rewards Points are valid for three years from the date of card approval or renewal (not from the date they are earned), except for SC Beyond, Journey, Visa Infinite and Priority Visa Infinite (no expiry). |
| ❓ Expiry Transparency |
| Very Good |
App & online banking
To check your points expiry, log in to the SC Rewards portal > Click on your name at the top right > Account Summary > More Details > Expiry Details
eStatement
The eStatement shows when your 360° Rewards Points will expire (remember, all your points share the same expiry date).
UOB
|
| 💳 Points Expiry Policy |
| UNI$ expire 2 years from the last day of each periodic quarter in which the UNI$ was earned (i.e. 24-27 months validity) |
| ❓ Expiry Transparency |
| Average |
App & online banking
The UOB TMRW app shows the next batch of expiring UNI$, but not the rest of your balance.
To check this, log in to UOB TMRW > Rewards+ > My rewards > UNI$
eStatement
The eStatement only shows UNI$ expiring at the end of that particular calendar quarter.
Conclusion
In general, banks in Singapore could do a much better job communicating points expiry more clearly.
DBS is the only bank that gives a detailed breakdown of which points expire when (Standard Chartered too, but since all their points expire on the same date, it’s not that hard to implement (so why can’t Citibank do it?!)).
Without a complete picture of the “vintage” of your points, it’s hard to make redemption plans, and in many cases, the only way to get that breakdown is to contact customer service.
