HDFC World MasterCard Credit Card Review

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

Eligibility Criteria:

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The average income of the applicant should be Rs. 25,000 monthly. 
  • For self-employed person:
    • Age: The age of the applicant should be between 21 to 65 years. 
    • Income: Annual Income Tax Return should be greater than Rs. 4 lakh. 
  • A long relationship with the bank will help you to get this card. 
  • An excellent credit score (above 770) is needed to apply for this card. 

Required Documents 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 credit card you have to activate it manually by generating a new credit card PIN. Feel free to visit our FAQ page to know how to generate hdfc credit card pin for the first time. 


  • Joining Fee: Rs. 2,500 But it may vary according to your credentials.  
  • Annual Fee: Rs. 2,500 But it may vary according to your credentials.  

There are several online hdfc bank credit card bill payment options available. But if you don’t want to go online, then you can also pay hdfc bank credit card bill offline by Cheque, NEFT, or by visiting your nearby HDFC branch. If you need the hdfc bank credit card payment ifsc code then you can find it here

HDFC credit card benefits:

  • Accelerated rewards:

This hdfc world credit card offers reward points for almost every transaction. You will get 2 hdfc credit card rewards for each Rs. 150 spent with this card. Also if your monthly spend is above Rs. 75,000 you will get 50% more 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 bank credit card reward catalogue

To redeem your rewards points on hdfc credit card just fill up the hdfc bank credit card point redemption form and send it to the hdfc credit card support email address. You can check your reward balance from your net banking account

  • Free domestic and international lounge access:

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

Due to the new regulation of RBI, international and hdfc online credit card transactions on new HDFC bank credit cards are turned off. So if you can’t use your card during an international trip, just turn on the international transaction option from your hdfc bank credit card online net banking account.

If you are interested to know, how to enable international transaction on hdfc credit card? then feel free to visit our FAQ page

  • Freedom from fuel surcharge:

Use this HDFC credit card to purchase fuel and 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. 

  • Opportunity to make your card lifetime free:

On spending Rs. 15,000 within the first 90 days of your hdfc credit card atm pin generation, you will get a complete waiver on your first-year joining fee.

Also, if you can spend Rs. 75,000 within an anniversary year, you will get a full waiver on your annual 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 net banking or by calling the hdfc phone banking numbers

  • Lost card liability coverage:

This card comes with 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 missing card. 

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

  • Lifetime free add on cards:

HDFC lets you add your family members (age 18+) with your card as add-on members so that they can enjoy the benefits of having a credit card. To apply for an add-on card just visit your nearby branch and submit your application form manually. You can visit the 100xGain FAQ page to know how to get hdfc credit card add-on cards.

  • Easy application process:

HDFC Bank offers a seamless application process for its customers; you can apply for your desired HDFC bank card from the HDFC credit card official website or from your nearby HDFC branch

Once your application is submitted successfully, you can track your hdfc credit card approval status using your application number from the hdfc credit card tracking page.  

  • Security of the advanced EMV chip: 

This 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. 


Particulars 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 3.6% monthly or 43.2% annually. 
Foreign currency conversion charge 3.5% against the transaction amount.
Add-on card fee Free for a lifetime.

Contact Details:

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: 


Final Opinion:

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

But if you are looking for a much more premium option, then take a look at the 100xGain top 10 travel credit card page

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