Joining Fee

Free

Annual Fee

Rs. 0 (Reversed on annual spends of Rs. 0.75 Lakhs)

Add-on Card Fee

Free per supplementary card

Late Payment Charges

3.49% of the outstanding amount

HDFC Bank

Travel

Lifestyle

Rewards

Best For: Frequent international travelers, Existing cardholders seeking lounge access and reward points

World MasterCard Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹1

Points Validity

24 Months

Pros

Complimentary Priority Pass for 600+ global airport lounges
Up to 50 days interest-free credit period
Zero liability on fraudulent transactions
Free add-on cards for family (up to 3)
First-year fee waived on spending ₹15,000 in first 90 days
Renewal fee waived on spending ₹75,000 in a year

Cons

New applications no longer accepted; sourcing stopped
Cash advance fee of 2.5% (minimum ₹500)
Interest of 3.49% per month on outstanding balance

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Unredeemed reward points expire after 2 years of accumulation

Interest-free period subject to merchant submitting the charge

Contactless payments above ₹5,000 require PIN entry

Key Benefits & Features

Up to 3 free add-on cards for family members

Up to 50 days interest-free credit period from date of purchase

EMV Chip Card technology for enhanced safety against unauthorised use

Zero liability for fraudulent transactions if reported immediately to HDFC Bank 24/7 Call Centre

Contactless payments enabled; transactions up to ₹5,000 do not require PIN in India

Official Terms & Conditions

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

About World MasterCard Credit Card

The HDFC Bank World MasterCard Credit Card is a premium travel and lifestyle card designed to elevate everyday spending and international travel experiences. While new applications are no longer being accepted, existing cardholders continue to enjoy the card's comprehensive suite of benefits across rewards, travel, and lifestyle categories. Cardholders earn 2 Reward Points for every ₹150 spent, with points easily viewable and redeemable through a single unified platform that also manages spends tracking and card controls. One of the card's standout offerings is complimentary access to over 600 global airport lounges through a Priority Pass membership, delivering savings of up to ₹8,300 annually. Up to 3 free add-on cards are available for family members, extending these benefits further. On the financial side, the card provides up to 50 days of interest-free credit from the date of purchase and revolving credit at a nominal interest rate. Security features include EMV Chip Card technology and zero liability protection for fraudulent transactions reported promptly to HDFC Bank's 24/7 Call Centre. Contactless payment functionality is also supported. Annual fee waivers are available by spending ₹15,000 within the first 90 days or ₹75,000 within a year, making it a rewarding option for frequent spenders and international travelers alike.

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