The World Mastercard is a credit card that offers financial flexibility and travel-oriented benefits. It has no pre-set spending limit, travel reward points, worldwide concierge service, extended warranty, emergency services, and MasterRental insurance coverage. It also provides purchase assurance. However, specific benefits may vary depending on the issuing bank.


Benefits of the Card

The World Mastercard, especially in Ireland, offers a suite of benefits tailored to enhance the lifestyle and travel experiences of its cardholders. These benefits are designed to provide convenience, security, and exclusive access to various services and experiences. Below are some of the top benefits that come with the World Mastercard, each accompanied by a detailed explanation:


Fraud Protection

With your World Mastercard credit card you can take advantage of a fraud protection service that protects you against fraudulent transactions. If your card was lost or stolen, Mastercard won’t recognize unauthorised purchases.

Hotel Privileges

The World Mastercard includes special privileges at participating hotels. These privileges can range from room upgrades and late check-outs to complimentary breakfasts and unique amenities. These benefits enhance the overall travel experience by adding elements of luxury and comfort, making hotel stays more enjoyable and memorable. The extent of these privileges may depend on the specific hotel and the agreement with Mastercard.

24-Hour Assistance

Having access to 24-hour assistance is a critical feature for any credit card, and the World Mastercard excels in this area. This service typically includes support for lost or stolen cards, emergency card replacement, and emergency cash advances. Such assistance is invaluable in urgent or unexpected situations, offering cardholders a safety net when they are away from home, both domestically and internationally.


Airport Lounge Access

Some variants of the World Mastercard offer cardholders access to airport lounges around the world. This benefit provides a comfortable and relaxed environment for travelers to unwind before their flights. Lounge access often includes amenities like complimentary refreshments, Wi-Fi, and comfortable seating, making it an appealing feature for those who travel frequently.

Exclusive Offers and Experiences

Cardholders of the World Mastercard often have access to exclusive offers and experiences. These can include special deals in dining, entertainment, shopping, and travel. Such offers not only provide financial benefits like discounts but also offer opportunities to experience unique events or services that may not be widely available. This feature enhances the overall value of the card by offering more than just financial transactions.

Each of these benefits contributes to the appeal of the World Mastercard, particularly for individuals who value travel and lifestyle enhancements. Cardholders should always refer to their specific card issuer in Ireland for the most accurate and detailed information about the benefits available to them​​​​.

Prerequisites to obtain the Card

To apply for a World Mastercard credit card in Ireland, applicants need to meet certain criteria. While specific requirements can vary depending on the card issuer, there are common prerequisites that most financial institutions consider:

  1. Age Requirement: The applicant must be at least 18 years of age. This is a standard requirement for credit card applications in Ireland.
  2. Good Credit Score: A good credit score is crucial for approval. Credit scores are used by issuers to assess the risk of lending and determine eligibility. 
  3. Proof of Income: Applicants are typically required to provide proof of a stable source of income. This could include bank statements or other documents that demonstrate financial stability.
  4. Identification: Valid identification, such as a personal public service number (PPSN).
  5. Employment and Financial History: Information about employment and a general financial history may be requested.
  6. Application Process: The application process can typically be completed online, over the phone, or by visiting a local bank branch.

Note: For detailed information on the application process and specific requirements for the World Mastercard in Ireland, it’s recommended to contact the card issuer directly or visit their website​​​​​​.

About Card Bank / Financial Institution

Founded in 1966, Mastercard has grown into a global entity, facilitating electronic funds transfers across the world, primarily through its branded credit, debit, and prepaid cards. Unlike banks, which offer a wide range of financial services including deposits, loans, and personal financial management, Mastercard’s primary focus is on payment processing.

Mastercard’s network acts as an intermediary between merchants and financial institutions, processing payments made with Mastercard-branded cards. When a Mastercard is used for a purchase, the company facilitates the transaction by transferring the funds from the card-issuing bank to the merchant’s bank, ensuring the transaction is completed swiftly and securely.

Financial Institutions that are known to Issue the World Mastercard Card

In Ireland, several prominent banks offer the World Mastercard credit card, each with its own history and characteristics. Some of the notable banks include:

  1. Allied Irish Banks (AIB): AIB, established in 1825, is a renowned Irish bank offering a wide range of personal and business banking services, including credit cards, through its extensive branch network.
  2. Bank of Ireland: The Bank of Ireland, established in 1783, is a leading financial institution in Ireland, offering a range of banking services, including wealth management and innovative digital features.
  3. EBS (Educational Building Society):EBS is a prominent mortgage and savings account provider offering competitive rates and flexible repayment options to assist customers in achieving homeownership objectives.
  4. An Post: While not technically a bank, An Post, the state-owned postal services provider, offers banking services, including current accounts and credit cards, accessible through its network of post offices and digital platforms.

Who is this Card for?

The World Mastercard credit card caters to frequent travelers seeking travel benefits, financial flexibility, and experiences, offering a high spending capacity and luxury travel perks.

Step by Step to Apply for the Card

To apply for the World Mastercard credit card in Ireland, you can follow these general steps:

  1. Visit the official Mastercard website
  2. Select the World Mastercard option from the list of available cards.
  3. The website will direct you to a page where you can find more information about the card.
  4. For the actual application, you’ll need to contact the card issuer directly. The specific bank or financial institution offering the World Mastercard will have its own application process.
  5. You can typically apply online through the issuer’s website, over the phone, or by visiting a local branch.
  6. The application will require personal and financial information, such as proof of income, employment details, and identification.


Positives and Negatives of the Card

The World Mastercard credit card, like any financial product, comes with its own set of positives and negatives. Here’s a summary of these aspects:


  1. Travel Benefits: The card offers significant travel-related perks such as hotel privileges, which are highly valuable for frequent travelers.
  2. Wide Acceptance: As a Mastercard product, it is widely accepted globally, making it convenient for international travel and purchases.
  3. Additional Services: Benefits like extended warranty, concierge services, and 24-hour assistance add to the card’s overall value proposition.


  1. Potential for High Fees: Depending on the issuing bank, the card may come with high annual fees, which could offset some of the benefits for those who don’t use the card extensively.
  2. Eligibility Requirements: The card may have stringent eligibility requirements, including a need for a good credit score, which could limit accessibility for some individuals.

It’s important for potential cardholders to weigh these positives and negatives against their personal financial situation and usage patterns to determine if the World Mastercard is the right choice for them. ​

How to Activate the Card?

Activating the World Mastercard credit card upon receiving it typically involves a few simple steps. Although the exact process can vary slightly depending on the issuing bank, the general procedure is as follows:

  1. Receive the Card: After your application is approved, the bank will send your World Mastercard.
  2. Review the Instructions: Along with the card, you should receive instructions for activation. These instructions are usually found in the same mailing package as the card.
  3. Activation via Phone or Online: Most banks offer two primary methods for activation – by phone or online.

Phone Activation: Call the number provided in the card’s documentation. You’ll likely be asked to provide certain details such as your credit card number, security code (found on the back of the card), and possibly some personal information for verification.

Online Activation: Visit the card issuer’s website or use their mobile banking app. You will need to log in to your account and follow the activation prompts. This might include entering your credit card number and other verification details.

After the activation, you should:

  1. Set up a PIN: During the activation process, you may also be prompted to set up a Personal Identification Number (PIN) for your card.
  2. Confirmation: Once you complete the steps, you’ll receive confirmation that your card is activated and ready to use.
  3. Sign the Card: Finally, sign the back of your card if required.

It’s important to follow the specific instructions provided by your card issuer to ensure a smooth activation process. If you encounter any issues or have questions, the card issuer’s customer service is usually available to assist.

Fees and Tariffs

The main costs associated with the World Mastercard credit card typically include:

  • Annual Fees
  • Interest Rates
  • Foreign Transaction Fees
  • Cash Advance Fees
  • Late Payment Fees
  • Balance Transfer Fees

It’s important to note that these fees and charges can vary depending on the financial institution issuing the World Mastercard. Cardholders should refer to the specific terms and conditions provided by their card issuer for detailed information about fees and tariffs associated with their World Mastercard credit card.

Customer Service

For assistance with the World Mastercard credit card in Ireland, customers can utilize the following official channels:

  1. Mastercard Ireland Official Website: For comprehensive information about the World Mastercard and other services, visit the Mastercard Ireland website.
  2. Mastercard Customer Service Phone Number: For direct assistance, customers can call Mastercard at 1-800-55-7378. This service is available for various inquiries including card benefits, activation, and general support.
  3. Bank or Financial Institution Issuing the Card: For specific queries related to your World Mastercard, including fees, billing, and card-specific benefits, contact the bank or financial institution that issued your card. Their contact information can typically be found on the back of your credit card or through their official website.