MyFinCards
World MasterCard Credit Card

Joining Fee

Free

Annual Fee

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

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

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.

Expert Review

Our Verdict

Premium travel card with Priority Pass lounge access, reward points & fuel savings for existing customers only.

Frequently Asked QuestionsAbout World MasterCard Credit Card

OTHERWhat is a World MasterCard Credit Card?
The HDFC Bank World MasterCard Credit Card is a premium Credit Card that offers exclusive benefits, including lounge access, rewards on every spend, comprehensive insurance protection, and much more. It is designed to elevate your travel experience and provide you with luxury and convenience.
BENEFITSWhat are the benefits of the World MasterCard Credit Card?
The World MasterCard Credit Card offers a range of benefits, including complimentary lounge access to 600+ global airport lounges via Priority Pass, reward points on every purchase, savings on fuel costs, up to 3 free add-on cards for your family, enhanced safety features with EMV Chip Card technology, zero liability on fraudulent transactions, and up to 50 days of interest-free credit period.
FEESIs the World MasterCard Credit Card free?
The World MasterCard Credit Card comes with an annual fee. However, you can enjoy a waiver of the first-year membership fee by spending ₹15,000 within the first 90 days. Additionally, you can renew your membership for free by spending ₹75,000 in a year.
APPLICATIONHow to apply for a World MasterCard Credit Card?
HDFC Bank is currently not accepting new applications for the World MasterCard Credit Card, as sourcing of this card has been stopped. However, existing customers will continue to enjoy all card benefits. You can explore a range of other Credit Cards available from HDFC Bank that may suit your needs by visiting the HDFC Bank website.
REWARDSHow many reward points do I earn on the World MasterCard Credit Card?
With the World MasterCard Credit Card, you earn 2 Reward Points for every ₹150 spent. These points can be viewed and redeemed easily through the card management interface. Please note that unredeemed reward points will expire or lapse after 2 years of accumulation, so it is advisable to redeem them before they expire.
FEESWhat is the cash advance fee on the World MasterCard Credit Card?
The cash advance fee on the World MasterCard Credit Card is 2.5% of the withdrawn amount, with a minimum charge of ₹500. This fee is applicable on all cash withdrawals made using the card. It is advisable to use cash advances only when necessary, as additional interest charges may also apply on the outstanding amount.
FEESWhat is the interest rate charged on outstanding balances?
An interest rate of 3.49% per month is charged on any outstanding amount carried beyond the bill due date. To avoid interest charges, it is recommended to pay your full credit card bill before the due date. The card also offers up to 50 days of interest-free credit period from the date of purchase, subject to timely and full payment of dues.
BENEFITSHow does the Priority Pass lounge access work with this card?
The World MasterCard Credit Card comes with a complimentary Priority Pass membership, which gives you free access to 600+ global airport lounges worldwide. This benefit can save you up to ₹8,300 yearly on lounge access (Priority Pass valued at $99). Simply present your Priority Pass membership card at any participating lounge to enjoy complimentary access during your travels.
USAGEDoes the World MasterCard Credit Card support contactless payments?
Yes, the World MasterCard Credit Card is enabled for Contactless Payments at retail outlets. In India, contactless payments up to ₹5,000 do not require a PIN for a single transaction. For amounts of ₹5,000 or more, the cardholder must enter the Credit Card PIN. You can check for the Contactless Network Symbol on your card to confirm it is enabled.
BENEFITSCan I get add-on cards for my family members?
Yes, the World MasterCard Credit Card allows you to get up to 3 free add-on cards for your family members. These add-on cards enable your family to enjoy the same card benefits, including reward points, lounge access, and safety features, while all expenses are billed to the primary cardholder's account.
BENEFITSWhat happens if there is a fraudulent transaction on my World MasterCard Credit Card?
The World MasterCard Credit Card offers zero liability on fraudulent transactions, provided you report the unauthorized transaction immediately to HDFC Bank's 24/7 Call Centre. The card also comes with EMV Chip Card technology that provides enhanced protection against unauthorized use when shopping anywhere. It is important to report any suspicious activity as soon as possible to ensure full protection.
USAGEWhat is the interest-free credit period on the World MasterCard Credit Card?
The World MasterCard Credit Card offers up to 50 days of interest-free credit period from the date of purchase. This means you can make purchases and repay the outstanding amount within this period without incurring any interest charges. Please note that this offer is subject to the submission of the charge by the merchant and requires full payment of the outstanding dues by the due date.
REWARDSDo reward points expire on the World MasterCard Credit Card?
Yes, unredeemed reward points on the World MasterCard Credit Card will expire or lapse after 2 years of accumulation. It is important to track and redeem your points regularly to avoid losing them. You can view and redeem your reward points easily through the card management interface provided by HDFC Bank.
USAGEIs revolving credit available on the World MasterCard Credit Card?
Yes, revolving credit is available on the World MasterCard Credit Card at a nominal interest rate. This allows existing cardholders to carry forward their outstanding balance beyond the due date instead of paying it all at once. However, an interest rate of 3.49% per month will be charged on the outstanding balance. For more details, refer to the Fees & Charges section on the HDFC Bank website.
USAGECan I manage my World MasterCard Credit Card through a mobile or online platform?
Yes, HDFC Bank provides a unified card management platform where you can manage your World MasterCard Credit Card along with Debit Cards, FASTag, and Consumer Durable Loans from a single interface. The platform allows you to track your spends easily, view and redeem reward points at the push of a button, and manage all aspects of your credit card account conveniently online or through the mobile app.

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