White etching crack (WEC) failure is distinct from classical rolling contact fatigue failure, frequently observed in bearings of electric power driven accessories of automobiles and wind turbine gearbox bearings etc. Release of atomic hydrogen from tribochemical reaction such as the lubricant failure and water contamination due to sever operating condition is believed to be one of accelerating factor of WECs & premature bearing failure. The cause of White etching area (WEA) formation associated WEC appearing 1-20% of L10 bearings life and premature failure is still under investigation. The method of creating WEC in laboratory condition is reported as a tedious and longer process for the root cause analysis. The paper would be a study of formation of WEA due to dynamic loading on Pin on disc tribometer. This paper, number of experiment was carried out using modified Pin on disc having dynamic load facility. In the rig, a cam-follower setup is attached with loading part to enable cyclic loading with rate of 90 cycles per minute (1.5Hz). However, the contact between the pin and disc is pure sliding with mixture of hydraulic oil ISO 32 in the test rig. This method helps to maintain hydrogenation of steel subsurface proportional to wear. The experiments were created WEA on SAE52100 bearing steel ball having effective contact pressure of 1.3GPa with in 40 hrs. test duration. The microstructure changes were analysed by serial sectioning and metallographic examination using optical microscope as well as SEM to confirm WEA.