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 covers
Upon making 4 transactions per month, you will receive the following insurance covers:
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.
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.
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:
Upon receiving your redemption request, the redeemed gifts will be delivered to your registered address in 10 to 15 business days.
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:
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.
You can visit any HDFC branch and apply for this card in person. To locate a branch close to you, visit the HDFC website.
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 2019, then they will expire in August 2021.
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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