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Credit card expiry dates: When does the card actually expire?

Last updated

Pauline Hatch      

Does your credit card expire at the start or the end of the month? When all you get is the month, it’s easy to be unsure when your card is going to call it quits. 

For example, if the card’s expiry date is 05/24, does that card become invalid at the beginning of May 2024, or at the end of May 2024?

While some credit card providers may have different rules on this, the vast majority of credit cards remain valid right through until the end of the month shown on the card. So, for the example above, the card would remain valid until 11.59pm on May 31, 2024.

Once the clock ticks over to June 1, that card would become invalid and it would no longer be accepted for retail or online purchases. For that reason, most card providers send out replacement cards well ahead of the existing card’s expiry date, to allow for a smooth transfer from the old card to the new one.

If you know your card is expiring, it could be a good time to start comparing a range of credit cards out there to see if you can get a better deal!

Getting a new card

There are several reasons to receive a new card in the post. This will happen if the cardholder’s existing card is close to reaching its expiry date, if the existing card has been damaged or worn, or if the existing card has been lost or stolen.

When your debit or credit card nears its expiry date, your card provider will automatically send you a replacement card. If your card has been damaged or has become too worn to use, you can contact your card provider to send you a replacement.

If your card has been lost or stolen, you should contact your card provider immediately. Your old card will be cancelled straight away, so if someone tries to use your card, the purchase will be declined. This can also prevent you from being liable for fraudulent purchases made on the card.

When you receive your card, check for any changes on it. If you receive a new card to replace an expired card, it should have the same card number and different expiry date. If you receive a new card to replace a damaged card, the card number and the expiry date should be the same.

If you receive a new card to replace a lost or stolen card, the card number will have been changed for safety reasons, and the expiry date may have changed as well.

What to do when you get a new card

Whatever the reason for receiving a new card, it’s a good idea to sign the new card as soon as you get it, and destroy the old card once the new card has been set up and activated. Different card providers have different ways of setting up and activating cards, but they should give you clear instructions on how to do this with your card.

If your new card is replacing an expired or damaged card, your PIN will usually stay the same. If your new card is replacing a lost or stolen card, you may be sent a new PIN (in a separate envelope) to activate your new card. Again, your card issuer will provide clear instructions on this matter.

When you get a new card, you will have to update any direct debits coming off that card. If your card details have remained the same, there is no need to do this, but if your card number or expiry date has changed, you will need to contact the companies who receive direct debits from that card to give them the updated information.

This could include your mobile phone provider, your utilities providers, and your landlord. If you don’t update your direct debit details, the payments could be rejected, which could result in you receiving fees and penalties for missed payments.

What to do when you don’t get a new card

If your existing card has almost expired and you haven’t received your new card yet, you can contact your card provider to see if it’s been sent out yet. The same applies if you requested a replacement card and you haven’t received it.

Your provider may have the wrong address, or it may have been lost or intercepted. If your provider has been notified, they can cancel the card and look for any fraudulent transactions.

Pauline

Pauline Hatch

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger.

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17 comments (showing the latest 10 Q&As)

Cheryl

Cheryl

26 December 2023
How do I change the expiry date of my credit card?
    Pauline - CreditCard.com.au

    Pauline

    4 January 2024
    Hi Cheryl, when your card is near expiration, your card issuer automatically sends you a replacement card with the updated expiration date. You can give them a call to check this with them
Sean

Sean

12 November 2023
Hi If my credit card expiries in August 2023 and I get a new credit card with all new details. Can someone take a payment out of my credit card over two months after its expired and I didn't provide them with the new details. xxxxxxx did, isn't that against the law? Regards Sean
    Pauline - CreditCard.com.au

    Pauline

    15 November 2023
    Hi Sean, your credit card should have expired at the end of August. Technically no direct debits should have occurred because the card details would be wrong. You would have to get in touch with Mxxxxxxxt and your credit card provider to see how that payment came out.
dianne.puchyr@gmail.com

[email protected]

7 April 2022
mastercard outdated...11/22...What is procedure for New Master Card...Thanks for YR Reply
    Pauline - CreditCard.com.au

    Pauline

    8 April 2022
    Hi there, you’ve reached Creditcard.com.au, Australia’s leading credit card comparison and information site. Usually the replacement card is sent out a month before the expiration date. I suggest reaching out to your card issuer directly to check this with them.
Lesley

Lesley

24 January 2022
if my mastercard expires in 01/22 what will be the expiry date of my new card?
    Pauline - CreditCard.com.au

    Pauline

    24 January 2022
    Hi Lesley, if your card provider has already sent you a new card, this will usually expire the same month but will have the updated year on it for you. Hope this helps!
kingsley

kingsley

23 December 2021
card expiry:dec 24. What does that mean?
    Pauline - CreditCard.com.au

    Pauline

    6 January 2022
    Hi Kingsley, the expiration date shown on every credit card is the month and year. So if you see 12 / 24, it means your card will expire December of 2024. We did a deep dive on expiry dates if you’d like to learn more.
John

John

25 June 2021
My credit expired , received a new card , all details stayed the same , except for date and three digit security numbers at rear of card, Most merchants contacted me for new details as in expired date and secured digits at back of card , two merchants Carried on taken out monthly transactions,but did not contact me for new details , as in new expired date of card , is common practice with merchants,and Banks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 June 2021
    Hi John, thanks for your great question! There’s no exact answer to give here as each bank, merchant and processing network is different. There’s some intricacies to when credit cards expire, which this post may help you understand. If you are worried about fraudulent transactions, then contact your bank straight away
Justin

Justin

18 January 2021
My valid thru is 1/63 so what does it means?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 January 2021
    Hi Justin, wow - that sounds like the card ends 2063. I have never seen that before.
Noreen Fletcher

Noreen Fletcher

3 January 2021
Just noticed my Go Card was valid til 03/21 Why wasn’t I notified or received a new card ? Since I first received this card my email address has changed from bigpond to gmail ! Please contact me as soon as possible !!
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 January 2021
    Hi Noreen, you will need to reach out Go Mastercard customer service - https://www.gomastercard.com.au/contact-us/. When you update your contact information. Its always good to update this information with your credit card provider.
Shirlee Burns

Shirlee Burns

2 June 2017
Thank you for reminding me how well we are looked after. It is very supportive and satisfying to have the exact steps to be taken to renew a credit card.

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