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The expiration of the Points is dependent on the month they are credited into your account. The Points will expire after 12 months, on the last day of that month. For example, Points credited on 15 March 2021 will be expired on 31 March 2022. You can refer to SoFi Points in-app balance to check the points’ expiry date. Upon the expiration date, all points accumulated will be cleared from your SoFi Hong Kong account immediately and cannot be used for any redemptions.