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World MasterCard

Product Details
Credit Card Name : 

World MasterCard

Bank Name :

HDFC Bank

Type :

Travel Credit Card

Interest Rate : 

Interest Rate: 3.60% p.m. 43.20% p.a.

Eligibility :

For Salaried employee: Age must be between 21 to 60 years of age.
For Non-Salaried employee: Age must be between 21 to 65 years of age.

World MasterCard
Pros
  • Reward System: Customers get two reward points for every INR 150. Value of 1 reward point = INR 0.30. Cashback Rate: 0.4%.

  • Free access to over 600 global airport lounges with complimentary Priority Pass membership. 

Cons
  • No welcome benefit is provided to the users. 

  • No domestic lounge access. 

  • Low cashback rate.

  • No value add benefits. 

Pros & Cons
Welcome Benefits

None.

Rewards System
  • Reward System: Customers get two reward points for every INR 150. Value of 1 reward point = INR 0.30. Cashback Rate: 0.4%.

International Forex Markup

IFM- Upto 3.5%

Welcome Benefits and Reward System
Special Features
  • Gain free access to over 600 global airport lounges with complimentary Priority Pass membership

Eligibility Criteria

For Salaried employee: Age must be between 21 to 60 years of age.
For Non-Salaried employee: Age must be between 21 to 65 years of age.

Benefits
  • Free international airport lounge access. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?

Here are the steps on how to apply for HDFC Bank's World MasterCard Credit Card: 

  • Visit the HDFC Bank website and click on the "Credit Cards" tab. 

  • Click on the "World MasterCard" card. 

  • Click on the "Apply Now" button. 

  • You will be redirected to a new page where you will need to provide your personal and financial information. 

  • You will also need to upload scanned copies of your documents, such as your PAN card, Aadhaar card, and address proof. 

  • Once you have submitted your application, a HDFC Bank representative will contact you to verify your details and process your application.

Contact Details

1800 202 6161 or 1860 267 6161, send an SMS to 730 8080 808, or even use WhatsApp to send a message to 707 0022 222.

Account Opening and Procedure
World MasterCard

The HDFC Bank World Classic MasterCard is a competitive option for frequent travelers and high spenders who value unlimited airport lounge access, comprehensive travel insurance, and decent rewards across categories. The welcome bonus, fuel surcharge waiver, movie ticket offers, and complimentary add-on cards add further value. However, the moderate annual fee, limited network, lower reward point value, and availability of higher earning cards might necessitate careful consideration for moderate spenders or those seeking wider network coverage, the highest potential points return, or specific category benefits.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining/annual Membership Fee – Rs. 2,500/- + Applicable Taxes. 

  • Cash advance fee: 2.5%, with a minimum of ₹ 500. 

  • Interest Rates: 3.60% p.m. 43.20% p.a. 

  • Late Payment Charges: Less than ₹100 = Nil ₹100 to ₹500 = ₹100/- ₹501 to ₹5,000 = ₹500/- ₹5,001 to ₹10,000 = ₹600/- ₹10,001 to ₹25,000 = ₹800/- ₹25,001 to ₹50,000 = ₹1100/- More than ₹50,000 = ₹1300/- 

  • Foreign Currency Transactions Fees: 3.5%. 

  • Reward Redemption Fees: Rs. 99/-

Fuel Surcharge
Fuel Surcharge: 1% Fuel Surcharge waiver on fuel transactions. However, it is waived off on (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle).
Billing Cycle

30 Days

Fees & Charges
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