Earn Rewards Points (RPs) on every eligible transaction with the HDFC World MasterCard. You can convert the points to air miles to pay for your flight tickets or for cashback and gifts.
Enjoy an interest-free period of up to 50 days on your card spends from the transaction date.
Complimentary insurance coversUpon making 4 transactions per month, you will receive the following insurance covers:
The credit limit offered on this HDFC credit card can be different for different individuals. This is because the credit limit is decided by the bank keeping in mind several factors including (but not limited to) your age, employment status, income, other debt obligations, and credit score.
HDFC Bank at its sole discretion will decide the credit limit that you are offered. You may be able to request for an increase in your limit under certain circumstances such as an increase in your income.
As mentioned earlier, this credit card offers Rewards Points and additional points on your eligible spends:
If you wish to redeem your accrued points, you have two options to do so - offline via post and online via NetBanking. Let's look at both these options in detail:
Step 1: Check your credit card statement or your Netbanking account for your earned Rewards Points.
Step 2: Select the rewards you want to redeem from the exclusive rewards catalogue and generate the coupon for it.
Step 3: Download the 'Rewards Redemption Coupons' form available on the bank's website, take a print out, and fill in the requested details.
Step 4: Submit the form via post to the bank on the address printed on the form.
Upon receiving your redemption request, the redeemed gifts will be delivered to your registered address in 10 to 15 business days.
Step 1: Log into your HDFC credit card netbanking account using your username and password.
Step 2: Click on the 'Credit Card' option located on top.
Step 3: Complete a one-time registration for your card by clicking on the 'Register New Card' option and entering your 4-digit card PIN.
Step 4: Click on the 'Redeem Reward Points' option found on the left-hand side on the navigation bar and the on 'Continue' to go to the Online Redemption portal.
Step 5: On the Online Redemption Homepage, click on 'Redeem Reward Points'.
Step 6: Select your 'Points Range' (depending on your RPs balance) and then select 'Item Category' to view the catalogue.
Step 7: Add the items you wish to exchange your points for to your shopping cart.
Step 8: Click on the 'View Shopping Cart' option to see your selected items edit the quantity by using the 'Edit' option.
Step 9: Read the 'Terms and Conditions' thoroughly and check the box to confirm the same.
Step 10: Click on the 'Redeem' option to complete the redemption process. You will get a Redemption Order Number. Save this number in case of discrepancy in the future.
The redeemed items will be sent to the address you see on the redemption page. If you wish for the items to be delivered to another address (in case of relocation), do not continue with the redemption. First, call the bank's customer service number and request for change in your registered address. Once the address change has been updated, then go ahead with redeeming your Rewards Points.
| Type of Fee | Amount |
|---|---|
| Interest rate | 3.49% per month (41.88% p.a.) |
| Interest-free period | Up to 50 days |
| Minimum payment | Rs.200 or 5% of the outstanding balance, whichever is higher |
| Late payment fee |
|
| Rewards redemption fee | Rs.99 for every redemption |
| Cash advance limit | Up to 40% of the limit |
| Replacement card in case of loss/damage | Rs.100 |
You can apply for the World MasterCard if you fall in the following age categories based on your employment type:
Salaried employees:You have to submit certain documents to prove your eligibility for this credit card. The documents required are to confirm your identity, address, and income:
HDFC can request for additional documents as per their discretion.
There are two ways to apply for this HDFC credit card:
Request a call back
Visit a bank branch
No. The complimentary Priority Pass Membership program with access to airport lounges was discontinued in 2017.
You can track the status of your application online on the bank's website. You will need your application reference number (16 digits), and your DOB details or mobile number to check your status.
Yes. Your insurance payments using the World MasterCard will earn your RPs. However, the maximum points you can earn per transaction is 2,000 points.
Yes. The RPs you earn will expire in 2 years from the date of accumulation. For instance, if you earn your points in August 2023, then they will expire in August 2025.
Yes. Personal portable equipment will be covered under the Fire and Burglary Insurance protection offered on the card. However, the coverage limit for each item is limited to Rs.25,000.
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