World MasterCard
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
Cashback Rate
Customers will get 2 reward points for every INR 150. Cashback rate: 0.4%.
Value of 1 reward point = INR 0.30.
Movie Benefits
Dining Benefits
Other Benefits
Lounge Access
Fees & Charges
Joining Fee
Rs. 2,500/- + Applicable Taxes.
Annual Fee
Rs. 2,500/- + Applicable Taxes.
Cash Advance Fee
Cash advance fee: 2.5%, with a minimum of ₹ 500.
Interest rate
Interest Rate: 3.60% p.m. 43.20% p.a.
Late Payment Fee
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 Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Reward Redemption Fees: Rs. 99/-
Cons
No welcome benefit is provided to the users.
No domestic lounge access.
Low cashback rate.
No value add benefits.
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.
Rewards & Benifits
Welcome Benefits
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Rewards System
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International Forex Markup
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Welcome Benefits and Reward System
Special Features
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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.
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
Recommended Credit Cards
Pros:-
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Cons:-
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.
No welcome benefit is provided to the users.
No domestic lounge access.
Low cashback rate.
No value add benefits.
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.
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
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
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Fuel Surcharge
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Billing Cycle
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