HDFC Bank
HDFC Bank World MasterCard Credit Card
Mastercard World tier with global acceptance and travel perks
₹1,500/yr annual fee · 2x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- Mid-tier Mastercard user
- Traveller
-
What we like
- Mastercard World tier privileges globally
- Domestic lounge access
- Lower entry fee than Regalia tier
-
Watch out for
- ₹1,500 non-waiver joining fee
- Only 2x base reward rate
- Standard 3.5% forex markup
Annual fee
₹1,500/yr
Reward rate
2x
Min. income
₹5,00,000
Forex markup
3.5%
Lounge access
Domestic only
Eligibility
₹5 lakh/yr · CIBIL 720+
Reward cap
Not explicitly stated
Welcome benefit
None beyond the reward rate
HDFC Bank World MasterCard Credit Card review: Mastercard World tier with global acceptance, travel perks, and complimentary domestic lounge access for mid-tier professionals.
Who is this for
- Mid-tier Mastercard user
- Traveller
What we like
- Mastercard World tier privileges globally
- Domestic lounge access
- Lower entry fee than Regalia tier
Watch out for
- ₹1,500 non-waiver joining fee
- Only 2x base reward rate
- Standard 3.5% forex markup
Issuer
Headquarters
Mumbai, Maharashtra
Established 1994
Website
www.hdfcbank.comHDFC Bank is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹1,500 | Not waivable |
| Annual fee | ₹1,500 | Waived on annual spends ≥ ₹1,50,000 |
| Renewal fee | ₹1,500 | Waived on annual spends ≥ ₹1,50,000 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹1,000 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 2 Reward Points per ₹150 on retail spend; 1 Reward Point per ₹150 on utility & insurance | Not explicitly stated | Redeemable via HDFC rewards portal |
| TRAVEL | 2.00 | — | 0.50 |
| DINING | 2.00 | — | 0.50 |
| SHOPPING | 2.00 | — | 0.50 |
Benefits
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Mastercard World Tier Privileges Highlight
Accepted at all Mastercard merchants worldwide with World-tier benefits (hotel upgrades, late checkout, Priceless experiences).
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Domestic Lounge Access
1 complimentary domestic airport lounge visit per quarter.
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Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between ₹400 and ₹4,000.
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Travel Perks
Mastercard Travel & Lifestyle Services for flights, hotels, and holiday packages.
Eligibility
- Age
- 21–60 years
- Min. income
- ₹5,00,000
- Min. credit score
- 720+
- Score note
- Good credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
HDFC Bank World MasterCard Credit Card is the Mastercard World tier equivalent of the Visa Signature. It targets mid-tier professionals with global acceptance and travel perks.
Fees and rewards
- Joining fee: ₹1,500 (non-waiver)
- Annual fee: ₹1,500, waived on annual spends ≥ ₹1,50,000
- Rewards: 2 Reward Points per ₹150 on retail spend
- Forex markup: 3.50%
Mastercard World benefits
- World-tier hotel benefits, late checkout, room upgrades
- 1 domestic lounge visit per quarter
- 1% fuel surcharge waiver
- Travel & Lifestyle Services
Eligibility
Minimum annual income ₹5,00,000 (salaried) / ITR-based for self-employed. Good credit score required.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the HDFC Bank World MasterCard Credit Card apply walkthrough →
Apply for HDFC Bank World MasterCard Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the HDFC Bank World MasterCard Credit Card worth it?
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Does the HDFC Bank World MasterCard Credit Card offer airport lounge access?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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