0 hidden charges. 0 forex

Debit Card Expiry: Reasons for Expiry, & Renewal Process Online

Reviewed by
Created on
June 28, 2023


What’s Inside

Debit cards have become an essential part of our daily lives, allowing us to withdraw cash, make purchases, and pay bills with ease. However, have you ever wondered why debit cards have an expiration date?

In this blog post, we will explore the reasons why debit cards expire and what you need to do to renew an expired card. We will also discuss the various methods you can use to renew your debit card, including internet banking, contacting customer care, and visiting the bank in person.

Why Do Debit Cards Expire?

Why can’t debit cards last a lifetime? Just like SIM cards, debit cards also undergo technology upgrades every few years. New features and functionalities are introduced to debit cards when the existing ones are replaced with new ones. More importantly, over time, advanced security measures are designed and integrated into the cards to fix any vulnerabilities that can lead to fraud. Setting expiration dates, thus, reduces the risk of falling prey to scams and helps you have a card that is safe, convenient and up-to-date with the latest technology.

How to Renew an Expired Card?

Renewing an expired ATM or debit card is easy if you prepare beforehand. Bring a valid government-issued ID and proof of your current address, such as a utility bill or bank statement. Provide details of your expired card, including the card number, expiration date, and CVV, to help the bank link the renewal process to your account and update your information.

Here are some ways to renew an expired debit card:

  1. Renew through online banking. Log in to your bank portal, go to the debit card section, fill in the required details and wait for the new card to arrive at your registered address.
  2. Contact customer care and ask them to renew your card through a call. They will verify your identity and send the new card by mail.
  3. Visit the nearest branch to get the application form and guidance. After submitting the form, you will receive your new card soon and must activate it by calling the toll-free number that comes with the card.

How to Check A Debit Card’s Expiry Date:

The expiry date is usually clearly indicated on the card. Here’s how to identify it:

  • Sometimes there are two dates on a debit card, one labelled "valid from" and another labelled "valid thru."
  • The date next to "valid thru" is the expiry date.
  • The expiry date is written in the format MM/YY.
  • For example, if it says 12/26, the debit card will expire on the last day of December 2026 (i.e., December 31st, 2026).


Debit cards expire to make way for new technology upgrades, features, and security measures that protect against fraudulent activities. By renewing an expired debit card through online banking, customer care, or visiting the bank in person and keeping your identity proof, address proof, and debit card details handy, you can continue to enjoy the convenience of cashless transactions without any inconvenience.

Experience Incredible Rewards and Zero Forex

The Fi-Federal co-branded debit card provides a range of features that cater to your needs. You can enjoy zero Forex charges on select plans, make contactless payments using the 'Tap and Pay' feature, and set transaction limits from the app. The card also offers a variety of deals from top brands in food, shopping, travel, and entertainment. For added convenience, you can effortlessly freeze or unfreeze your card from the app, making it an ideal choice for those who want to stick to a budget.

Frequently Asked Questions

1. Can I renew my expired debit card online?

Yes, you can renew your expired debit card online by logging in to your bank portal, going to the debit card section, filling in the required details, and waiting for the new card to arrive at your registered address.

2. What happens when an ATM card expires?

If an ATM card expires, you won’t be able to use it for any purchases. You will have to speak to the bank’s representative to request a new debit card.


Fi Money is not a bank; it offers banking services through licensed partners and investment services through epiFi Wealth Pvt. Ltd. and its partners. This post is for information only and is not professional financial advice.
Share this article
Copied Link!
Debit Card Expiry: Reasons for Expiry, & Renewal Process Online


View similar articles in
Get the Fi app