Know How to Check Your Credit Card Validity and Expiration Date

By OneCard   |   January 29, 2025

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If you use a credit card, you often look at your name, credit card number, and CVV, but amongst all these details, is the credit card expiration date. Every credit card has an expiration date, after which you will not be able to use your credit card and avail of its functions. So what do you do after that? Can you extend your expiry date? Or do you have to get a new one? Follow this guide to answer these questions and how to check and follow up on your credit card validity.


What is a Credit Card Expiration Date?

Credit card expiration date means the actual period during which the credit card stays valid. The date is printed on the card and is crucial for verification.

How to Check Your Credit Card Expiration Date

There are various ways you can check your credit card validity. Here are a few ways listed below:

1. Physical Credit Card

Your credit card expiration date is on the physical credit card. It appears on the top side of the card and is shown in month and year format. The credit card expiration date is in the MM/YY format.

2. Mobile App

You can also check your credit card validity through your credit card issuer or bank’s mobile app. Log in using your credentials and find out the required information regarding your credit card validity. Another option is to contact a customer representative to find out your expiration date.

3. Online Banking

Your credit card expiration date can also be found through your Internet banking account. Log in to your account and click on the credit card section. You should be able to see your credit card details, including your validity. For instance, One Credit Card allows you to check all your credit card details, including the expiration date, through our credit card app.

Also read: How To Know Your Credit Card Number?

Steps to Take After Your Credit Card Has Expired

  1. Ideally, most banks or credit card issuers mail the new credit card to your registered address before expiration. While, some banks need you to apply for the new credit card.

  2. Ensure you activate the credit card by following the instructions provided by the credit card issuer.

Importance of Credit Card Expiry Date

1. Prevents Fraud

Staying up to date with your credit card expiry date significantly reduces the risk of unauthorised transactions, ensuring your financial security.

2. Credit Card Renewal Reminder

An expired credit card is of no use unless replaced. The expiry date on your credit card serves as a visual reminder to renew it before it expires.

3. Technology Updates

Expiry dates ensure that the credit cards are incorporated with the latest technology version, such as contactless payment features of biometric authentication, with enhanced security measures.

While a credit card expiry date may seem small, understanding its importance and checking your credit card validity can provide a seamless credit experience. To conclude, your credit card’s expiry date is crucial for managing your transactions effectively. By knowing your expiry date and taking necessary actions when needed, you can ensure uninterrupted use of your card.


**Disclaimer: The information provided in this webpage does not, and is not intended to, constitute any kind of advice; instead, all the information available here is for general informational purposes only. FPL Technologies Private Limited and the author shall not be responsible for any direct/indirect/damages/loss incurred by the reader for making any decision based on the contents and information. Please consult your advisor before making any decision.