HDFC World MasterCard Credit Card Review

The hdfc bank world mastercard credit card is one of the best entry-level travel credit cards from HDFC Bank. The main problems with beginner’s credit cards are that they don’t come with premium benefits, but this mastercard world card seems to be an exception. It lets you enjoy some attractive benefits, like free access to domestic and international lounges, hdfc credit card points on everyday expenses, fuel surcharge waiver, lost card liability coverage, etc. More details of the card are given below. 

Who can apply for the HDFC world mastercard credit card?

  • Resident Type: Indian
  • HDFC bank credit card eligibility criteria for salaried person:
    • Age: 21 to 60 years. 
    • Income: The average income of the applicant should be Rs. 25,000 monthly. 
  • HDFC bank credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 years. 
    • Income: Annual Income Tax Return should be greater than Rs. 4 lakh. 
  • A credit score of 750+ is needed to apply for this hdfc mastercard credit card.

 Once your hdfc credit card application is submitted successfully, you can track your hdfc credit card approval status using your application number from the hdfc credit card tracking page. The hdfc online credit card application process is discussed on our faq page.

What documents are required to apply for a new credit card?

  • 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:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

To start using your new hdfc credit card you have to activate it manually by generating a new credit card pin. You can visit our FAQ page to know how to activate hdfc credit card for the first time. 

What are the hdfc world credit card fees?

  • HDFC credit card joining fee: Rs. 2,500 But it may vary according to your credentials.  
  • HDFC credit card annual fee: Rs. 2,500 But it may vary according to your credentials.  

What are the hdfc credit card benefits?

  • Make every transaction rewarding:

The hdfc world credit card reward points are offered like this.

Category of transaction

Rate of earning hdfc rewards

Every Rs.150 spent using this card 2 hdfc credit card rewards
On spending Rs.75,000 or more with your card in a month 50% more hdfc credit card reward points for the same transactions

The hdfc credit card reward points redemption procedure is very simple, you can use them for flight/hotel booking, redeem them into cash, or you can use them to get a product from the hdfc world mastercard credit card reward points redemption catalog

  • Free domestic and international lounge access:

With the hdfc priority pass membership that comes with this hdfc mastercard credit card, you will enjoy free access to over 600+ domestic and international lounges, and up to Rs.8300 annual savings on lounge access costs.  

Due to the new credit card security rules, international and hdfc online credit card transactions on new HDFC bank credit cards are turned off. So if you are interested to know, how to enable international transactions on hdfc credit card? then feel free to visit our FAQ page

  • Enjoy freedom from fuel surcharges:

If you use this HDFC credit card to purchase fuel, you can make up to Rs.8300 annual savings on fuel surcharges. This HDFC credit card facility is available at most of the fuel stations in India. 

  • Get an opportunity to earn some extra:

Credit card usage

Total benefit

Rs.15,000 within the first 90 days of your hdfc credit card atm pin generation A complete waiver on your first-year joining fee
Rs.75,000 within an anniversary year a full waiver on your hdfc credit card renewal fee

So if you want to turn your card into a lifetime free hdfc credit card, you just have to keep spending Rs.75,000 per year.  You can know hdfc credit card balance from your hdfc credit card app or by calling the hdfc phone banking numbers

  • Complimentary lost card liability coverage:

This hdfc bank card offers complimentary lost card liability coverage. So, if your card ever gets lost or stolen, you just have to report the loss to the hdfc credit card settlement department and you will no longer be liable for anything bad that may happen to your hdfc credit card account

Just for extra protection, you can temporarily deactivate hdfc credit card by yourself from your HDFC card app, or by calling the hdfc credit card phone banking number.

  • Instant hdfc bank credit card bill payment options:

You are allowed to pay your hdfc credit card bill online from your net banking account, or by using any credit card payment app like Cred, Paytm, Phone Pe, Google Pay, etc.But if you don’t want to go online, then you can also pay hdfc bank credit card bill offline. More details are discussed on our faq page.

  • Security of the advanced EMV chip: 

This hdfc mastercard card comes with a built-in EMV chip, it is a specially designed chip that uses a very strong encryption method to store your hdfc credit card information, it makes your card much more secure than before. 

What are the HDFC world master card credit card charges?


Payable amount

Charges for cash withdrawal from a credit card 2.5% against the transaction amount (min Rs. 500). Check your withdrawal limit beforehand to avoid hdfc credit card over limit charges 
Finance Charges The hdfc credit card interest rate can go up to 3.6% monthly or 43.2% annually, applicable if you don’t pay hdfc credit card bill on time
HDFC international credit card transaction charge 3.5% against the transaction amount
HDFC add-on credit card fee Free for a lifetime

How to contact the hdfc credit card customer support department?

  • Call the hdfc credit card complaint number: 1800-266-4332 (Toll-Free) or 1800-202-6161(Toll-Free) / 022-6160-6161
  • Write to the hdfc bank credit card mail id: 

If you don’t want to continue with your old credit card and you are thinking about how to close hdfc credit card account permanently? then take a look at our FAQ page, the complete process is discussed there. 

100xGain Ratings: 


Pros and cons of the HDFC world Mastercard card:



  • You can earn useful hdfc credit card rewards with every transaction.
  • You can enjoy free access to domestic and international airport lounges.
  • There are no travel booking or entertainment benefits available on this mastercard credit card.

Final Opinion:

So, if you are looking for a low-cost credit card that can give you some premium features then this hdfc mastercard credit card will be a good option for you. With cashback on every purchase, lost card liability coverage, fuel surcharge waiver, and complimentary hdfc lounge access facility, this card can be a good travel companion for you. 

But if you are looking for a much more premium option, then visit our best travel credit card page

Alternative cards: 

  1. Hdfc Diners Club Premium Credit Card (Best for reward and lounge benefits)
  2. Hdfc Bank Diners Club Rewardz Credit Card (Best for reward and travel benefits)
  3. HDFC Best Price Save Max Credit Card (Best for reward and lounge benefits)

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