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When do my points expire?

From Qantas to Velocity, discover when your reward points expire and what you can do to keep them longer.

If you’ve been hoarding and building up your points balance to redeem your dream reward, make sure you keep your eye on the expiry date. Many frequent flyer and credit card reward points expire after some time. And once the points have expired, you usually can’t get them back. This guide lists the expiration details of some of Australia’s favourite frequent flyer, credit card rewards and supermarket loyalty programs, including when they expire and what you can do to prevent it from happening.

Frequent flyer programs

ProgramDo points expire?Terms and conditions
Qantas Frequent Flyer
Qantas_200x100_logo_23_jan_2018
Yes, after 18 months of inactivity.Activity excludes family transfers or conversion of points from the Qantas Business Rewards program.
Velocity Frequent Flyer
VelocityFF_200x100_logo_23_jan_2018
Yes, after 36 months of inactivity.Activity excludes transferring points and family pooling.
Etihad Guest
Etihad_Guest_200x100_23_jan_2018
Yes, after two years from the date they are earned.Membership is not transferable and is only open to individuals.
Emirates Skywards
Emirates_Skywards_200x100_23_jan_2018
Yes, after three years from the date of travel. Within the calendar year that your miles are due to expire, they’ll be removed from your account at the end of your birthday month. So if you earned miles in March 2017 and your birthday is in June, the miles will expire on 30 June 2020.Membership is not transferable and automatically terminated on the death or bankruptcy of a member.
Singapore Airlines KrisFlyer
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Yes, three years after they’ve accrued.You are able to get a 6- to 12-month extension for a fee. Oldest miles are used first. You can also transfer your miles to Velocity if there’s a risk of expiry.
Air New Zealand
AirNZ_200x100_logo
Yes, after four years.Points over four years old will expire on the anniversary of you joining the program. The oldest points expire first. Gold and Elite members aren’t subject to points expiry.
British Airways Executive Club
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Yes, Avios miles expire after 36 months of inactivity.As well as earning and redeeming Avios miles, you can purchase between 1,000 and 35,000 Avios to reset the 36-month period.
American Airlines AAdvantage
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Yes, after 18 months of inactivity.You can check your account summary to confirm the expiration date.
Delta SkyMiles
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No, they don’t expire.N/A.
Cathay Pacific Marco Polo
Cathay_Marco_200x100_logo
Yes, after 36 months from the month miles are earned.Once you make some activity on your account, your miles are automatically renewed for another 36 months.
Malaysia Airlines Enrich
Malaysia_Airlines_200x100_logo_23_jan_2018
Yes, they will expire after three years of account inactivity.If your miles are due to expire, you can extend them for 12 months by contacting the Malaysia Airlines call centre. You’ll be charged a rate of MYR0.02 per mile and an administration fee of MYR40 for every transaction.

Credit card rewards programs

ProgramDo points expire?Terms and conditions
CommBank Awards
Commbank_200x100_logo_23_jan_2018
No expiry.Points will only expire if a member leaves the program.
NAB Rewardsnab-200x100Yes, points expire three years from when the points were earned.If you close your account, you have 60 days to use any points in your balance before they expire.
ANZ Rewards
ANZ Insurance
Points expire after three years at the end of the year in which the points were earned.Once closing your account, you have 90 days to use your points.
American Express Membership Rewards
AMEX_membership_rewards_200x100
No expiry.N/A
Citi Rewards
citi_200x100_logo
No expiry.N/A
HSBC Rewards
hsbc
Yes, after three years from when the points were earned.Points will also be forfeited if you close your account and have points remaining in your account.
Westpac Altitude
westpac-200x100
No expiry.Points don’t expire as long as your account is open.

Supermarket loyalty programs

ProgramDo points expire?Terms and conditions
flybuys
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Yes, points expire after 12 months of inactivity.You can track your account activity via your online account.
Woolworths Rewards
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Yes, after 18 months of inactivity.You can track your account activity via your online account.

What can I do to prevent my reward points from expiring?

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Although many reward points are subject to expiry, here are a few ways you can keep your account active to avoid forfeiting your hard-earned rewards:

  • Redeeming for smaller rewards. If you don’t have enough points to redeem your ideal reward or you don’t have any travel plans, you can use the points to redeem small rewards such as gift cards or products from the rewards store to avoid expiry. That way you’re not blowing all of your points on a big reward but are also keeping your account active.
  • Top up points balance. If your points are about to expire and you’d prefer not to spend them just yet, you can also top up your account to keep it active. For example, if your Qantas Points are about to expire, you could make an everyday purchase with a partnered retailer or shop via the Qantas Mall to pick up more points. That way you’re not forking out for something like a flight but can still save your points from expiring.
  • Set up calendar reminders. Setting up a calendar reminder on your phone or in your diary regarding when your points are due to expire ensures that you will use them before they are set to expire.

Most reward points are subject to expiry, so knowing when and how they’re forfeited can save you from missing out on potential rewards. Unfortunately, once your points are gone, there is no getting them back. So make sure you’re keeping your points account active and keep an eye on those expiry dates to make the most out of your loyalty program.

Pictures: Shutterstock

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