Credit Card Expiry Date & Validity: Check Guide

Want to know how to check credit card expiry date online? It’s simple! Your credit card’s expiry date is usually printed on the front, but you can also check it online through your bank’s net banking portal or mobile app. Keeping track of your card’s expiry date ensures you don’t face payment failures or transaction declines.  

Here you’ll know not only how to check if a credit card is active and valid but also why the expiry date matters and how it impacts your everyday transactions. 

Understanding Credit Card Validity  

It is essential for smooth and secure usage to have a good knowledge of credit card validity. The validity period defines how long you can use your card for transactions. It ensures your card stays updated with the latest security features and technology upgrades from your bank. An expiry date also acts as an added layer of protection against fraud, since transactions usually require the card number, CVV, and expiry date. Renewing your card on time helps you avoid payment failures and ensures you continue to enjoy a seamless and safe banking experience.  

How to Check Credit Card Expiry? 

You can conveniently check the validity of a credit card using these 4 ways: 

1. Physical Card: You can find your credit card’s expiry date on your physical credit card. This 4-digit number: 

• Appears on the top side of the credit card 

• Typically seen in the month and year format 

The first 2 digits refer to the month and the next two are connected to the year. For instance, if the expiry date is listed as 04|26 on your card, it means that is card is valid until April 2026. Make sure that you apply for a renewal in March 2026 itself.  

2. Customer Care: Another way of checking the validity of a credit card is by getting in touch with your bank or issuer’s customer support team. Financial companies have a dedicated team to provide support for all queries related to your card and you can find its contact information on the official website. Talk to the representative to know the expiration date of your credit card. 
    

3. Online Banking: You can also get your credit card’s expiration date through your internet banking account. Simply log in to your account and navigate to the credit card section. Click on the card and you will be able to see the details related to it, including its validity. Keep in mind that this process may also include an additional verification step before you can access your card details.  
    

4. Mobile App: Using the mobile app of the financial institution is another easy way you can understand your card’s validity. Install and launch the issuer’s app and log in using your credentials to find the required information. 

Importance of Credit Card Validity 

Here are the top reasons why the validity of a credit card is limited to a certain time period.  

1. Prevents Fraud: 

1. Adds an extra security layer beyond the card number 

2. Required along with the CVV for online transactions 

3. Blocks scammers from misusing just your card number 

2. Supports Card Updates: 

1. Ensures you get updated security and tech features 

2. Expiry and renewal keep your card current and secure 

3. Helps banks offer a smoother, safer user experience 

As you can see, knowing your credit card expiry date helps you use it seamlessly. It helps you stay secure and renew your credit card on time too. To boost the security you enjoy, choose the newly launched Fibe Axis Bank Credit Card. It has the best-in-class security features since it is numberless and you can link it with your UPI ID.  

What’s more, you can access benefits such as up to 15% discount on dining with partner restaurants, up to 3% cashback on every transaction, complimentary airport lounge access and lots more!  

Download the Fibe Personal Loan App or register on the website to apply for this credit card in seconds.  

FAQs on Validity of a Credit Card 

Can I check my credit card expiration date online?  

Yes, you can check the expiration date of your credit card online via your net banking account or through the lender’s mobile app. Log in using your credentials and navigate to the credit card details section to know your credit card validity.  

What is the 4-digit expiration date on a credit card?  

Financial institutions use a 4-digit MM/YY format for credit card expiry dates. ‘MM’ is the expiry month, and ‘YY’ is the year. For instance, if your credit card is expiring in April 2028, the date will be written as ’04/28′.  

What is the card number CVV and expiry date?  

This 3-digit code stands for Card Verification Value and usually appears on the back of the card. In contrast, the expiry date is a 4-digit number that denotes the validity of a credit card. Usually, you need both these numbers to verify transactions through your card.