Firstly, the My Suica doesn't have an expiration date. Inactive cards can be re-activated by simply toping it up. And secondly, if ever you lose it, you can get a replacement at most train stations. Visit the Suica customer service counter or ticket machine and inform the staff that you've lost your card.

Yes, you can generally use an "old" physical Suica card in 2026, provided it hasn't been inactive for more than 10 years. The standard green Suica cards have a decadal expiration policy; if you haven't tapped your card at a gate or kiosk for a full decade, the card becomes "dead," and you will need to take it to a JR East ticket office (Midori-no-madoguchi) to have the balance transferred to a new card or refunded (minus a small fee). If your card is from a trip three or four years ago, it will work instantly once you add yen to the balance. However, travelers should be aware of the "Welcome Suica" exception: if you bought the special red "Welcome Suica" designed for tourists, those cards expire strictly 28 days after their first use and cannot be recharged or reused on future trips. In 2026, the most efficient move for owners of old physical cards is to "digitize" them by adding the card number to an iPhone or Android wallet. This transfers your remaining balance to your phone, effectively "resetting" the expiration and allowing you to top up using your credit card without ever needing to find a physical ticket machine in a crowded Tokyo station.