A novel modified dynamic load Pin-on-disc tribometer design along with the real time hydrogenating lubrication methodology is experimented to replicate “white etching area” (WEA) formation on bearing steel in laboratory level testing. Controlled formation of white etching area within a short duration has been achieved with the help of this new approach. Investigation of subsurface microstructural changes has opened a new insight in analysing the sequential formation of white etching area associated with premature rolling element bearings failure. The dynamic loading under hydrogenation establishes the sequential microstructural changes such as clustering, agglutination and deformation followed by dissolution of cementites to form WEA in the bearing steel. © 2018 Elsevier Ltd