Halifax Credit Cards.

Compare our great range of credit card products, deals and offers, whether you’re looking for a credit card to make every day purchases, to do a balance transfer or just a simple to use credit card. You can use the table below to see if there's a card that’s right for you.


Will I be accepted?

See how likely you are to be accepted for a Halifax credit card without harming your credit score.

Eligibility Checker


Looking for a new Halifax Credit Card?

Compare our great range of credit cards to find one that’s right for you.

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Lower amount

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Monthly repayment can't be more than the transferring balance

Higher Amount

To help you find a suitable credit card, we just need to know:

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Decrease amount
Increase amount

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We'll make some assumptions about your card usage to make a calculation

To help you find a suitable credit card, we just need to know:

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Please enter a value

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We'll make some assumptions about your card usage to make a calculation

  • You can apply online for a Halifax credit card if you’re over 18 and a UK resident
  • If successful you’ll get a credit limit and any applicable promotional rates based on your current status
  • To keep any promotional rates you must pay at least the minimum payment on time and stay within your credit limit
  • You can transfer balances to us from most credit cards and some store cards, excluding Halifax products
  • The minimum balance transfer amount is £100
41 Month Balance Transfer

41 Month Balance Transfer

Our longest balance transfer offer

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section
Balance transfer offer

0% for up to 41 months

on balance transfers made within 90 days of account opening

Balance transfer fee

3.5%

on balance transfers made within 90 days of account opening.

Purchase rate offer

0% for 6 months

from account opening

Representative example

A variable representative of
18.9% APR
A variable annual purchase rate of
18.95% p.a.
Based on borrowing
£1,200 over 12 months

Credit limits and interest rates vary based on your individual circumstances.

Keep in mind you may receive a shorter balance transfer offer (20 months) or a different APR (either 21.9% or 27.9% variable) based on your individual circumstances.

Halifax Credit Card

32 Month Balance Transfer

Our long, low fee balance transfer offer

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section
Balance transfer offer

0% for up to 32 months

on balance transfers made within 90 days of account opening

Balance transfer fee

0.7%

on balance transfers made within 90 days of account opening.

Purchase rate offer

0% for 12 months

from account opening on purchases.

Representative example

A variable representative of
18.9% APR
A variable annual purchase rate of
18.95% p.a.
Based on borrowing
£1,200 over 12 months

Credit limits and interest rates vary based on your individual circumstances.

Keep in mind: you may receive a shorter balance transfer offer (18 months) or a different APR (either 21.9% or 25.9% variable) based on your individual circumstances.

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section
Balance transfer offer

0% for 24 months

on balance transfers made within 90 days of account opening

Balance transfer fee

2.5%

on balance transfers made within 90 days of account opening.

Purchase rate offer

0% for 24 months

from account opening

Representative example

A variable representative of
18.9% APR
A variable annual purchase rate of
18.95% p.a.
Based on borrowing
£1,200 over 12 months

Credit limits and interest rates vary based on your individual circumstances.

Keep in mind: you may receive a different APR (either 21.9% or 25.9% variable) based on your individual circumstances.

Halifax Credit Card

25 Month Balance Transfer

0% balance transfer fee offer

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section
Balance transfer offer

0% for up to 25 months

on balance transfers made within 90 days of account opening

Balance transfer fee

0%

on balance transfers made within 90 days of account opening.

Purchase rate offer

0% for 6 months

from account opening

Representative example

A variable representative of
18.9% APR
A variable annual purchase rate of
18.95% p.a.
Based on borrowing
£1,200 over 12 months

Credit limits and interest rates vary based on your individual circumstances.

Keep in mind: you may receive a shorter balance transfer offer (13 months) or a different APR (either 21.9% or 25.9% variable) based on your individual circumstances.

Low Rate Credit Card

Low Rate Credit Card

One simple low rate for both balance transfers and purchases

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section
  • A low representative rate of 6.4% APR (variable).
  • One simple rate for both balance transfers and purchases.
  • 0% fee on balance transfers within the first 90 days.

Representative example

A variable representative of
6.4% APR
A variable annual purchase rate of
6.45% p.a.
Based on borrowing
£1,200 over 12 months

Credit limits and interest rates vary based on your individual circumstances.

Keep in mind: you may receive a different APR (either 10.9% or 14.9% variable) based on your individual circumstances.

Clarity Credit Card

Clarity Credit Card

One simple rate & no usage fees - however and wherever you use your Clarity Credit Card.

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section
  • One simple rate for balance transfers, purchases & cash withdrawals.
  • No fee for transferring a balance or withdrawing cash (interest charges apply).
  • No fee for using your card anywhere worldwide (interest charges apply).

Representative example

A variable representative of
18.9% APR
A variable annual purchase rate of
18.95% p.a.
Based on borrowing
£1,200 over 12 months

Credit limits and interest rates vary based on your individual circumstances.

Keep in mind: you may receive a different APR (either 21.9% or 25.9% variable) based on your individual circumstances.

37 Month Balance Transfer

Student Credit Card

Perfect for the hardworking student seeking extra credit

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section
  • Credit limits up to £1,000 (subject to status).
  • Weekly balance updates via SMS text.
  • Payment due alerts via SMS text.

Representative example

A variable representative of
19.9% APR
A variable annual purchase rate of
19.95% p.a.
Based on borrowing
£1,000 over 12 months

Credit limits and interest rates vary based on your individual circumstances.