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.

Credit available subject to status, to UK residents aged 18 or over. You can transfer balances to us (£100 minimum) from most credit cards and some store cards, excluding other Halifax products. All promotional rates apply from the date we open your account. You must pay at least the minimum payment by the due date each month and stay within your credit limit to keep promotional rates.

All our credit cards including our best online deals

Credit cardsBalance transfer Purchase offer Representative example 

32 Month Balance Transfer CardOur longest balance transfer offer 4
Up to 32 months interest free - our longest EVER offer on balance transfers made in the first 90 days from when we open your account.

Sort order 5

0%
up to 32 months
3% fee

Sort order 4

0%
6 months

  • Representative 18.9% APR (variable)
  • Purchase rate 18.95% p.a (variable)
  • Based on borrowing £1,200 over 12 months.

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

Apply now for the 30 Month Balance Transfer Card

Find out more

28 Month Balance Transfer Card2.5% balance transfer fee offer 2
Up to 28 months interest free on balance transfers made in the first 90 days from when we open your account.

Sort order 5

0%
up to 28 months
2.5% fee# 

Sort order 4

0%
6 months

If you borrow £1,200 with a purchase rate of 18.95% p.a. (variable) then you will get a representative 18.9% APR (variable).

Apply now for the 28 Month Balance Transfer Card

Find out more

24 Month Balance Transfer Card1.5% balance transfer fee offer 5
Up to 24 months interest free on balance transfers made in the first 90 days from when we open your account.

Sort order 5

0%
up to 24 months
1.5% fee

Sort order 4

0%
3 months

If you borrow £1,200 with a purchase rate of 18.95% p.a. (variable) then you will get a representative 18.9% APR (variable).

Apply now for the 24 Month Balance Transfer Card

Find out more

All in One CardAll in One Credit Card 1
An amazing dual offer: up to the first 15 months interest free on balance transfers made in the first 90 days (with our lowest fee of 0.8%), and the first 15 months interest free on purchases.

Sort order 4

0%
up to 15 months
0.8% fee

Sort order 5

0%
15 months

If you borrow £1,200 with a purchase rate of 17.95% p.a. (variable) then you will get a representative 17.9% APR (variable).

Apply now for a Halifax All in One Card

Find out more

17 Month Purchase CardPurchase Credit Card 3
Up to 17 months interest free on purchases - a great offer that could help you save money.

Sort order 3

0%
up to 6 months
3% fee 

Sort order 6

0%
17 months

If you borrow £1,200 with a purchase rate of 16.95% p.a. (variable) then you will get a representative 16.9% APR (variable).

Apply now for the Halifax 17   Month Purhcase Card

Find out more

Clarity cardClarity Credit Card 6
One simple rate and no usage fees. Which means we won't charge you fees for transferring a balance, withdrawing cash, or even for using it abroad.

Sort order 2

NA

Sort order 2

NA

If you borrow £1,200 with a purchase rate of 12.95% p.a. (variable) then you will get a representative 12.9% APR (variable).

Apply now for the Clarity card

Find out more

Student CardStudent Credit Card
Flexible credit limit and free text
reminders when payment is due.

Sort order 1

NA

Sort order 1

NA

If you borrow £1,000 with a purchase rate of 19.95% p.a. (variable) then you will get a representative 19.9% APR (variable).

Apply now for a Student Card

Find out more

1All in One Credit Card: At least 51% customers will get our best representative rate of 17.9% APR (variable). Others will get a representative rate of either 21.9% APR (variable), or 25.9% APR (variable). All customers will get 0% on balances transfers and purchases up to the first 15 months. 0.8% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account.

2 28 Month Balance Transfer Credit Card: At least 51% of customers will get our best offer of 0% on balance transfers for the first 28 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 28 or 25 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 22 months and a representative rate of 25.9% APR (variable). #2.5% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account. All customers will get 0% on purchases for the first 6 months.

317 Month Purchase Credit Card: At least 51% of customers will get our best offer of 0% on purchases for the first 17 months and a representative rate of 16.9% APR (variable). Others will get 0% on purchases for the first 12 months and a representative rate of 21.9% APR (variable), or 0% on purchases for the first 9 months and a representative rate of 25.9% APR (variable). All customers will get 0% on balance transfers up to the first 6 months. 3% fee applies for each balance transfer.

4 32 Month Balance Transfer Credit Card: At least 51% of customers will get our best offer of 0% on balance transfers for the first 32 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 32 or 29 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 26 months and a representative rate of 25.9% APR (variable). 3% fee applies for each balance transfer. All customers will get 0% on purchases for the first 6 months.

524 Month Balance Transfer Credit Card: At least 51% of customers will get our best offer of 0% on balance transfers for the first 24 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 21 or 18 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 15 months and a representative rate of 25.9% APR (variable). 1.5% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account. All customers will get 0% on purchases for the first 3 months.

6Clarity Credit Card: We don’t charge a cash advance fee for the Clarity Credit Card but some independent cash machine providers may charge fees for their service.

Help & guidance

Help icon

Whether you're trying to choose your first credit card provider or want help as an existing customer you'll find everything you need here.

  1. Common enquiries 
  2. Important credit card information
  3. Find out more about your borrowing options
  4. How to complain about Payment Protection Insurance

Help iconServicing and questions for your existing credit card

  1. Managing and using your credit card account
  2. Rates, charges and balance transfers
  3. Payment Protection Insurance

Our credit cards with interest free introductory offers

Credit cardsBalance transfer Purchase offer Representative example 

31 Month Balance Transfer CardOur longest balance transfer offer 4
Up to 32 months interest free - our longest EVER offer on balance transfers made in the first 90 days from when we open your account.

Sort order 5

0%
up to 32 months
3% fee

Sort order 4

0%
6 months 

  • Representative 18.9% APR (variable)
  • Purchase rate 18.95% p.a (variable)
  • Based on borrowing £1,200 over 12 months.

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

Apply now for the 31 Month Balance Transfer Card

Find out more

28 Month Balance Transfer Card2.5% balance transfer fee offer 2
Up to 28 months interest free on balance transfers made in the first 90 days from when we open your account.

Sort order 3

0%
up to 28 months
2.5% fee#

Sort order 2

0%
6 months

If you borrow £1,200 with a purchase rate of 18.95% p.a. (variable) then you will get a representative 18.9% APR (variable).

Apply now for the 28 Month Balance Transfer Card

Find out more

24 Month Balance Transfer Card1.5% balance transfer fee offer 6
Up to 24 months interest free on balance transfers made in the first 90 days from when we open your account.

Sort order 5

0%
up to 24 months
1.5% fee

Sort order 4

0%
3 months

If you borrow £1,200 with a purchase rate of 18.95% p.a. (variable) then you will get a representative 18.9% APR (variable).

Apply now for the 24 Month Balance Transfer Card

Find out more

All in One CardAll in One Credit Card 1
An amazing dual offer: up to the first 15 months interest free on balance transfers made in the first 90 days (with our lowest fee of 0.8%), and the first 15 months interest free on purchases.

Sort order 2

0%
up to 15 months
0.8% fee

Sort order 3

0%
15 months

If you borrow £1,200 with a purchase rate of 17.95% p.a. (variable) then you will get a representative 17.9% APR (variable).

Apply now for a Halifax All in One Card

Find out more

17 Month Purchase CardPurchase Credit Card 3
Up to 17 months interest free on purchases - a great offer that could help you save money.

Sort order 1

0%
up to 6 months
3% fee

Sort order 4

0%
17 months

If you borrow £1,200 with a purchase rate of 16.95% p.a. (variable) then you will get a representative 16.9% APR (variable).

Apply now for the Halifax 17 Month Purchase Credit Card

Find out more

1All in One Credit Card: At least 51% customers will get our best representative rate of 17.9% APR (variable). Others will get a representative rate of either 21.9% APR (variable), or 25.9% APR (variable). All customers will get 0% on balances transfers and purchases up to the first 15 months. 0.8% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account.

2 28 Month Balance Transfer Credit Card: At least 51% of customers will get our best offer of 0% on balance transfers for the first 28 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 28 or 25 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 22 months and a representative rate of 25.9% APR (variable). #2.5% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account. All customers will get 0% on purchases for the first 6 months.

317 Month Purchase Credit Card: At least 51% of customers will get our best offer of 0% on purchases for the first 17 months and a representative rate of 16.9% APR (variable). Others will get 0% on purchases for the first 12 months and a representative rate of 21.9% APR (variable), or 0% on purchases for the first 9 months and a representative rate of 25.9% APR (variable). All customers will get 0% on balance transfers up to the first 6 months. 3% fee applies for each balance transfer.

4 32 Month Balance Transfer Credit Card: At least 51% of customers will get our best offer of 0% on balance transfers for the first 32 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 32 or 29 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 26 months and a representative rate of 25.9% APR (variable). 3% fee applies for each balance transfer. All customers will get 0% on purchases for the first 6 months.

524 Month Balance Transfer Credit Card: At least 51% of customers will get our best offer of 0% on balance transfers for the first 24 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 21 or 18 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 15 months and a representative rate of 25.9% APR (variable). 1.5% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account. All customers will get 0% on purchases for the first 3 months.

Help & guidance

Help icon

Whether you're trying to choose your first credit card provider or want help as an existing customer you'll find everything you need here.

  1. Common enquiries 
  2. Important credit card information
  3. Find out more about your borrowing options
  4. How to complain about Payment Protection Insurance

Help iconServicing and questions for your existing credit card

  1. Managing and using your credit card account
  2. Rates, charges and balance transfers
  3. Payment Protection Insurance

Low rate & no fee credit card deal

Credit cardsBalance transfer Purchase offer Representative example 

Clarity cardClarity Credit Card
One simple rate and no usage fees. Which means we won't charge you fees for transferring a balance, withdrawing cash, or even for using it abroad.

Sort order 2

NA

 

Sort order 2

NA

If you borrow £1,200 with a purchase rate of 12.95% p.a. (variable) then you will get a representative 12.9% APR (variable).

Apply now for the Clarity card

Find out more

We don’t charge a cash advance fee for the Clarity Card but some independent cash machine providers may charge fees for their service.

Help & guidance

Help icon

Whether you're trying to choose your first credit card provider or want help as an existing customer you'll find everything you need here.

  1. Common enquiries 
  2. Important credit card information
  3. Find out more about your borrowing options
  4. How to complain about Payment Protection Insurance

Help iconServicing and questions for your existing credit card

  1. Managing and using your credit card account
  2. Rates, charges and balance transfers
  3. Payment Protection Insurance

Student Credit Card

Credit cardsBalance transfer Purchase offer Representative example 

Student cardStudent Credit Card
Flexible credit limit and free text reminders when payment is due.

Sort order 1

NA

Sort order 1

NA

If you borrow £1,000 with a purchase rate of 19.95% p.a. (variable) then you will get a representative 19.9% APR (variable).

Apply now for a Student Card

Find out more

Help & guidance

Help icon

Whether you're trying to choose your first credit card provider or want help as an existing customer you'll find everything you need here.

  1. Common enquiries 
  2. Important credit card information
  3. Find out more about your borrowing options
  4. How to complain about Payment Protection Insurance

Help iconServicing and questions for your existing credit card

  1. Managing and using your credit card account
  2. Rates, charges and balance transfers
  3. Payment Protection Insurance

Halifax Credit Cards are issued by Bank of Scotland plc, Registered in Scotland No.SC327000.Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.

We subscribe to The Lending Code.

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