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  • HDFC Bank World MasterCard Credit Card

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    Key Highlights of the HDFC World MasterCard

    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.

    • Earn 2 Rewards Points for every Rs.150 spent on the card with the possibility of earning additional points.
    • Get your joining fee (first-year fee) refunded on spending Rs.15,000 within 3 months of card membership.

    Features and Benefits of the HDFC World MasterCard

    Rewards and additional rewards
    • Get 2 RPs per Rs.150 you spend on your card.
    • Get additional 50 RPs on spends above Rs.75,000 in a statement cycle.
    • Reward Points will not be offered on transactions below Rs.150.
    Add-on cards
    • Apply for supplementary cards for your family members.
    • Up to 3 add-on cards offered on the World MasterCard.
    Annual fee reversal
    • Apply for this card and spend at least Rs.15,000 within 90 days of card approval and get your first-year fee reversed.
    • Spend at least Rs.75,000 in a year to get your next year's annual fee reversed.
    Interest-free period

    Enjoy an interest-free period of up to 50 days on your card spends from the transaction date.

    Complimentary insurance covers

    Upon making 4 transactions per month, you will receive the following insurance covers:

    • Complimentary Accidental Death Insurance with a cover of up to Rs.50 lakh.
    • Complimentary Fire and Burglary cover for purchased products worth Rs.5,000 and above. Maximum cover of Rs.2 lakh.
    Zero liability on lost card

    In case your card has been lost/stolen/misplaced, call the bank's 24-hour call centre (numbers are different based on the city of residence) to report the incident. Upon notifying the bank, you will not be held responsible for any future fraudulent transactions on your card.

    HDFC World MasterCard Limit

    The credit limit offered on this 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.

    Latest Offers on HDFC World MasterCard

      • Accor Plus - 10% discount on the Accor Plus Combo Membership until 31 December 2019. Accor Plus is a travel, lifestyle, and dining program in Asia Pacific.
    • Qatar Airways - Instant 10% discount on flight tickets and extra 100% Q Miles upon until 30 September 2019. Use promo code QRHDFC01 to avail offer.
    • Isprava Villas - 10% off on bookings made at Isprava Villas until 1 March 2020 using this HDFC credit card.

    Reward Points Benefits

    As mentioned earlier, this credit card offers Rewards Points and additional points on your eligible spends:

    • For every Rs.150 charged to your card, earn 2 Rewards Points.
    • Get additional 50% (3 RPs in total) RPs per Rs.150 spent above Rs.75,000 in a statement cycle.

    How to Redeem Rewards Points Earned on HDFC World MasterCard

    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:

    Offline - Via Post/Snail/Mail

    • 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.

    Online - Via Netbanking

    • Step 1: Log into your 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.

    Fees and Charges for HDFC World MasterCard

    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
    • Less than Rs.100: Nil
    • Rs.100 to Rs.500: Rs.100
    • Rs.501 to Rs.5,000: Rs.500
    • Rs.5,001 to Rs.10,000: Rs.600
    • Rs.10,001 to Rs.25,000: Rs.800
    • More than Rs.25,000: Rs.950
    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

    Eligibility for HDFC World MasterCard

    You can apply for the World MasterCard if you fall in the following age categories based on your employment type:

    Salaried employees:
    • Minimum age - 21 years
    • Maximum age - 60 years
    Self-employed individuals:
    • Minimum age - 21 years
    • Maximum age - 65 years

    Documents Required for HDFC World MasterCard

    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:

    • Proof of identity documents - include Aadhaar card, PAN card, driving licence, passport, etc.
    • Proof of address documents - include latest bank statements, voter's ID, utility bills, Aadhaar card, etc.
    • Proof of income documents - include latest payslips, income tax return documents, Form 16, employment letter, etc.

    HDFC can request for additional documents as per their discretion.

    How to Apply for HDFC World MasterCard

    There are two ways to apply for this HDFC credit card:

    Request a call back

    Visit the World MasterCard webpage on HDFC's website and click on, 'Leave your number'. You will be redirected to their Credit Card Application Form. Submit the form with your contact details and a representative from the bank will get back to you via phone call or SMS.

    Visit a bank branch

    You can visit any HDFC branch and apply for this card in person. To locate a branch close to you, visit the HDFC website.

    HDFC World MasterCard FAQs

    1. Does this card offer complimentary airport lounge access?
    2. No. The complimentary Priority Pass Membership program with access to airport lounges was discontinued in 2017.

    3. I have applied for this credit card. How do I check the status of my application?
    4. 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.

    5. Will I earn Rewards Points on paying my insurance premiums with this HDFC card?
    6. 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.

    7. Do the Rewards Points earned on this card have an expiry date?
    8. Yes. The RPs you earn will expire in 2 years from the date of accumulation. For instance, if you earn your points in August 2019, then they will expire in August 2021.

    9. Will my portable equipment be covered under the complimentary purchase protection offered under Fire and Burglary Insurance?
    10. 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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    HDFC Bank World MasterCard Credit Card Reviews

    • HDFC Bank Credit Card
      "Best to have a HDFC card to get the things faster. "
      0.5 5.0/5 "Blown Away!"
      What i expect from HDFC, i got the same. I don't much contact with HDFC. If i have any issues, i will check with my mobile banking and Internet banking. I'm not sure about the annual fee. I'm holding this card more than 2 years. If person have a account with HDFC, then its easy to get a credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 06, 2018
    • HDFC Bank
      HDFC Bank Credit Card
      "Useful card"
      0.5 5.0/5 "Blown Away!"
      Having the Hdfc master visa card for about past 2 years. The rewards points, cash back offers and the fuel surcharge waiver options are available in this card. The reward points can be redeemed with this card. I am happy with the credit limit and the rate of interest and the late fee charges are really high , it can be decreased in future. Overall this is very useful card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 16, 2017
    • HDFC Bank Credit Card
      "Good card for first time users"
      0.5 3.0/5 "Satisfactory"
      I had a HDFC Bank World Mastercard Credit card for almost 5 years as I have been a classic customer and recently got this upgraded to an All Miles card. I also got an upgrade on the credit limit. The card offers reward points that come with the statement. This can be redeemed on their gift catalogue as per the points. Its a lifetime free card and is a good start for beginners.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 21, 2016
    • HDFC Bank Credit Card
      "Really good and helpful card..."
      0.5 4.5/5 "Excellent!"
      I am using HDFC Bank Master card for the past 5 to 6 months. There is no special benefits an all. I am not using much but its only for an emergency and shopping purpose. I am happy with them in terms of credit limit. Charges are nominal in HDFC Bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 15, 2016
    • HDFC Bank Credit Card
      "Charge is high.."
      0.5 4.0/5 "Great!"
      World master card and the only benefit I see is the limit and that is maximum. The cash limit is 20% to 40 % of the credit limit. They had option call instant jumbo loan as they give pre approved loan on the credit card. If we opt for that they instantly in 24 hours they transfer the funds and the rate of interest is also very attractive as that is 12%. HDFC bank is high in charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 23, 2015
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I use a World Master credit card from HDFC Bank. The services are good from them. It is a life time free card. The best I prefer about the card is the details are very transparent. The billing process is very good. They send messages well in advance. They have the normal offers on the card.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Nov 23, 2015
    • HDFC Bank Credit Card
      "My best card..."
      0.5 5.0/5 "Blown Away!"
      I used to pay my bill on time so, I have no issues. I am holding World master card with HDFC Bank for the past 9years. Its a basic card so, I used to get all benefits. I started with 75000 credit limit and they increased as a 6lakhs. I am very much happy with HDFC Bank.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Nov 20, 2015
    • HDFC Bank Credit Card
      "Need to intiamate the customer"
      0.5 3.0/5 "Satisfactory"
      They have not intimation about the upgradation made in the card.They have updated the card as world card saying there will be many benefits provided.I would suggest it will be good if they intimate the customer before sending any card to the office of customer.The service provided by HDFC Bank was good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 18, 2015
    • HDFC Bank Credit Card
      "Lovely card to hold"
      0.5 5.0/5 "Blown Away!"
      Mine is a World Master credit card which I am holding with HDFC Bank . I am holding this credit card for a period of 8 years. The most interesting part is when ever I make a transaction I can convert that in to 24 installment . Processing charge is not too high when compared with others and interest rate is also quite reasonable.
      Was this review helpful? 0
      , jamnagar
      Reviewed on Oct 21, 2015
    • HDFC Bank Credit Card
      "Good card for me..."
      0.5 4.0/5 "Great!"
      I am holding world master credit card for the past 6years. I am not using much but I used to get many offers form them like cash back and rewards points an all. Interest rate and charges are okay with HDFC Bank. I will recommend this card to others.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2015
    • HDFC Bank Credit Card
      "Every ones card.."
      0.5 4.5/5 "Excellent!"
      I am using HDFC Bank World master card for the past 11yrs. Best part is, I activated the smart way option. I have hdfc bank link with this card so, payment options are quiet easy. Its life time free card.They giving 1% cash back offer based on smart way option.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 03, 2015
    • HDFC Bank Credit Card
      "So far so good"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC Bank Credit card services since last 8 years. Currently I am holding HDFC Bank World Master Credit card. I am quite happy with the limit on the card. Annual charges are not applicable for this credit card service from HDFC bank. For foreign currency transactions Bank levies a markup charge which is okay. My experience has been so far so good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 09, 2015
    • HDFC Bank Credit Card
      "World Card "
      0.5 4.0/5 "Great!"
      I am using a HDFC bank World Master Credit card for a quite long time. It is an International card where I can use it everywhere and there was no charges on the card. Once there was a confusion in my card payment but later on it got resolved with some additional charges. I personally use this card for all my spendings.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 09, 2015
    • HDFC Bank Credit Card
      "No special offers"
      0.5 4.0/5 "Great!"
      I am using HDFC Bank credit card since last 5 years. There are no offers on the card. Bank does not offer EMI conversion or Balance transfer options, I rarely use my HDFC Card. During these 5 years bank increased my credit limit only once. I recommend people not to have HDFC Bank credit card if they wish to have good offers. For a beginner HDFC card is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2015
    • HDFC Bank Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      For the past 3 years i have the world master credit card with hdfc bank. They offer pay back points for all the purchase which ever i do and i have accumulated 50,000 points but still not redeemed .They also offer EMI conversation and loan against card.Credit limit offered is more than required.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 04, 2015
    • HDFC Bank Credit Card
      "BANK BAZAAR ALWAYS PROVIDE A BEST DEAL TO US."
      0.5 5.0/5 "Blown Away!"
      Bank bazaar service and response is very good for customer and others things, I am very happy to be part of Bank Bazaar because they will provide lot of offers and deals, same has been distributed to our friends circle.Thank you bankbazaar.com
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 17, 2015
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      For the past 7 years i have the world master credit card from HDFC bank. The best part of the card is that no fuel surcharge is been charged. We will get the cash back discounts for the purchase. I use the card for paying the utility bills. Overall happy with the credit card i hold.
      Was this review helpful? 1
      , hyderabad
      Reviewed on May 25, 2015
    • HDFC Bank Credit Card
      "Average "
      0.5 4.0/5 "Great!"
      I hold a World Master Card with HDFC Bank and I am very happy with the customer service provided by HDFC. The credit limit of the card is high which is 170000 and I am really happy about the same.Even though I donâ??t have an account with HDFC it was a easy process to avail this card.The charges are really high and they didnâ??t give proper information about the charges that are deducted.
      Was this review helpful? 1
      , faridabad
      Reviewed on Apr 06, 2015
    • HDFC Bank Credit Card
      "Customer service Bank"
      0.5 4.5/5 "Excellent!"
      I hold a World Master Card with HDFC Bank and I got good customer support. I feel there should be little more product benefits added to this card and they are not updating about the other benefits of the card. I requested for a cash on call benefit but they refused to provide that making me wait unnecessarily.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 28, 2015
    • HDFC Bank Credit Card
      "HDFC IS BEST"
      0.5 5.0/5 "Blown Away!"
      HDFC BANK IS GREATEST BANK FOR CREDIT CARD SERVICES... LIFE TIME FREE CARD... LOWEST RATE OF INTERESTS... TIME TO TIME...GREAT OFFERS...EXCELLENT UPGRADATIONS... I AM USING IT FROM LAST 5-6 YEARS....AND I AM VERY HAPPY WITH THIS BANKS CREDIT CARD
      Was this review helpful? 5
      , new delhi
      Reviewed on Feb 14, 2015
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