HDFC Corporate World Mastercard Credit Card Review

HDFC Bank is the leading credit card issuer in India. Their credit cards are best for their offered benefits and usefulness. And the HDFC Corporate World MasterCard Credit Card is not an exception, it is a low-cost business credit card from HDFC bank. This card is best suited for high-spending small businesses.

It packs some attractive hdfc credit card and benefits and features like reward points, lounge access, lifetime free add-on cards, and a bunch of useful tools that can help you to run your business more smoothly. More details of the card are discussed below.

HDFC Credit Card Eligibility Criteria:

This card is meant for corporate usage only, and you can only get this card on behalf of your company. 

  • Resident Type: Indian.
  • The annual turnover of the company should be greater than Rs. 10 crores. 
  • The company must be treading for at least 2 years. 
  • A long relationship with the bank will help you to get this hdfc world credit card
  • An excellent credit score (above 780) is needed to apply for this card. 

Required Documents:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Income tax return of the last year
    • Proof of business

As per the new credit card rules, all new credit cards are delivered in an inactive state, and they are activated by generating a credit card PIN. You can find more about the hdfc credit card 4 digit pin generation process from our FAQ page


  • Joining Fee: This will be communicated at the time of card approval. 
  • Annual Fee: This will be communicated at the time of card approval.

You can pay hdfc credit card bill through hdfc net banking or by using any credit card payment app. But if you want to pay your credit card bill offline, then you can make hdfc credit card bill payments through neft, Cheque, ATM, or by visiting your nearby HDFC branch. More details can be found on our FAQ page


  • Reward points on every transaction:

For each Rs. 150 spend using this card, you will get 2 reward points. The hdfc credit card reward points redemption procedure is very simple, you can use them for flight or hotel booking by converting them into air miles, and you can also use them to get a product from the hdfc credit card points redemption catalog. 

To redeem, your rewards into cash, just fill up the hdfc credit card reward points cash redemption form and send it to the hdfc credit card head office mail id. 

  • Free access to domestic and international lounges:

Using the hdfc bank priority pass membership that comes along with this card, you can get access to above 1200+ frontline priority pass lounges across the globe. You will also get access to facilities like free internet, conference room, faxes, refreshments, etc. On the issuance of the card, you will get a hdfc priority pass to apply link that can be used to apply for the priority pass membership

As per the new credit card rules, international transactions on new credit cards are turned off to enhance the security of your account. But you can turn it on very easily from the hdfc credit card android app. If you are interested to know how to enable international transactions on hdfc credit card ? then take a look at the 100xGain FAQ page.

  • Freedom from fuel surcharge:

If you use this card to purchase fuel at any fuel station in India, you will get a 1% waiver on fuel surcharge. This offer is applicable on transactions between Rs. 400 to Rs. 5,000 and you can earn a maximum of Rs. 1,000 waiver in a hdfc bank credit card statement cycle. 

You can check your total earned benefits from your hdfc credit card bill statement. You can also get a hdfc credit card mini statement from the net banking hdfc credit card account

  • Complimentary hdfc credit card insurance coverage:

You will get an Rs. 1 Crore coverage against air-accidental deaths and Rs. 3 lakh coverage against deaths caused by railway and road accidents. You can call the hdfc bank credit card customer care number to claim the benefits of the coverage. 

  • Useful tools and services to make your life easier:

Using the awesome tools and services that come along with this card, you can save a ton of your precious time. The details are given in the table below. 

Individual tools Uses
Advanced reporting tools
  • Detailed reports on spend categories, expenses, and all other hdfc credit card account details anytime you want. 
  • Detailed transaction history of each of your add-on members. 
Convenient resolution process
  • Easy access to domestic and international transaction reports.
  • Easy and convenient claiming process.
  • Minimal processing time. 
Extra savings
  • Up to 50 days of the interest-free period. 
  • HDFC lifetime free credit card supplementary cards:

You can add your worthy employees with your card as add-on members so that they can perform office-related expenses by themselves. You will have complete control over your supplementary cards. You track the usage of each of your add-on cards using the hdfc online banking credit card account. You can also set a monthly transaction limit for them.

  • Easy application process:

You can apply for your desired HDFC credit card from the HDFC credit card online applications portal. Also, if you want to apply offline, then you can just walk to your nearby HDFC branch and submit your hdfc credit card application form there. 

Once your credit card application is submitted successfully, you can track online hdfc bank credit card application status using your application id or registered mobile number. 

  • Contactless payment option:

This card is equipped with an advanced contactless payment system; it allows you to make payment with just a wave at any secure reader machine.

Due to security reasons, the contactless transaction amount is limited to Rs. 5000 per transaction. You can also set your own limit from the HDFC credit card online app for android mobiles.

If you notice something unusual with your credit card, then you can block hdfc credit card account temporarily from your hdfc credit card mobile app , or with just an SMS. If you are interested to know how to block hdfc credit card by SMS? Then feel free to take a look at the 100xGain FAQ page.


Particulars Payable amount
Cash Withdrawal Charge For cash withdrawal from credit card you will be charged 2.5% against the withdrawn amount (min Rs. 5000)
Finance Charges The hdfc credit card interest rate after due date will be 3.25% monthly or 39% annually.
Foreign currency conversion charge 3.5% against the transaction amount.
Add-on card fee Free for a lifetime.

HDFC Credit Card Customer Care Contact Details:

  • Call the hdfc credit card customer care toll free number: 1800-266-4332 (Toll Free) or 022-616-6161
  • Write to the hdfc credit card customer care mail id: 

100xGain Ratings:


You can close your credit card account very easily if you don’t want to use your card anymore. To close your account, just fill up the hdfc credit card closure form and send it to the HDFC credit card mailing address given on the form. The hdfc credit card cancellation process is discussed in detail on the 100xGain FAQ page

Final Opinion:

If you are looking for a low-cost hdfc credit card for corporate-related expenses, then this card will be a good choice for you. The most attractive feature of this card is the priority pass membership which gives you access to some of the leading airport lounges.

Also, with reward points on every transaction, fuel surcharge waiver, and other useful HDFC credit card services, it proves to be a very helpful tool for your business.

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