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 cardsRepresentative example 

33 Month Balance Transfer Card

Our longest balance transfer offer

  • 0% for up to 33 months from account opening on balance transfers within the first 90 days.
  • 0% for 6 months from account opening on purchases.
  • An initial 3% fee applies, we'll then refund 0.2% on balances transferred within the first 90 days.¥

Please note, you may receive a shorter balance transfer introductory period and different representative APR based on your individual circumstances. At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

¥Minimum £100 balance transfer. An initial 3% fee applies; we'll then refund 0.2% within 90 days, so the effective fee is 2.8%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer.

 

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.

Find out more about the 33 Month Balance Transfer Credit Card

 

All in One Credit CardAll in One Credit Card

  • 0% for 19 months from account opening on balance transfers within the first 90 days.
  • 0% for 16 months from account opening on purchases.
  • 2% fee applies on balance transfers within the first 90 days.2


At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

2 Minimum £100 balance transfer. 2% 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.

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.

 

0.8% balance transfer fee offer0.8% balance transfer fee offer

  • 0% for 15 months from account opening on balance transfers within the first 90 days.
  • 0% for 15 months from account opening on purchases.
  • A low 0.8% fee applies on balance transfers within the first 90 days.3


At least 51% of successful applicants will receive a representative rate of 17.9% APR (variable).

3 Minimum £100 balance transfer. 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.

Representative 
17.9% APR
(variable)
Purchase rate
17.95% p.a.
(variable)
Based on borrowing
£1,200
over 12 months.
Credit limits and interest rates will vary based on your individual circumstances.

 

10 month balance transfer and purchase offer10 month balance transfer and purchase offer

  • 0% for 10 months from account opening on balance transfers within the first 90 days.
  • 0% for 10 months from account opening on purchases.
  • An initial 3% fee applies, we'll then refund 2.6% on balances transferred within the first 90 days.*


At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

* Minimum £100 balance transfer. An initial 3% fee applies; we'll then refund 2.6% within 90 days, so the effective fee is 0.4%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer.

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.

 

20 Month Purchase CardPurchase Credit Card

  • 0% for up to the first 20 months on purchases from account opening.
  • 0% for 6 months from account opening on balance transfers within the first 90 days.
  • 1% fee applies on each balance transfer made in the first 90 days.4

Please note, you may receive a shorter purchase introductory period and different representative APR based on your individual circumstances. At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).
4 Minimum £100 balance transfer. 1% 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.

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.

 

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. Interest rates apply.5

At least 51% of successful applicants will receive a representative rate of 12.9% APR (variable).

Minimum £100 balance transfer.

5 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.

Representative 
12.9% APR
(variable)
Purchase rate
12.94% p.a.
(variable)
Based on borrowing
£1,200
over 12 months.
Credit limits and interest rates will vary based on your individual circumstances.

Find out more about the Clarity card

 

Student CardStudent Credit Card

  • Credit limits up to £1,000 (subject to status).
  • Weekly balance updates via SMS text.
  • Payment due alerts via SMS text.

All successful applicants will receive a representative rate of 19.9% APR (variable).

Representative 
19.9% APR
(variable)
Purchase rate
19.95% p.a.
(variable)
Based on borrowing
£1,000
over 12 months.
Credit limits will vary based on your individual circumstances.

Find out more about the Student Card

 

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 cardsRepresentative example 

33 Month Balance Transfer Card

Our longest balance transfer offer

  • 0% for up to 33 months from account opening on balance transfers within the first 90 days.
  • 0% for 6 months from account opening on purchases.
  • An initial 3% fee applies, we'll then refund 0.2% on balances transferred within the first 90 days.¥

Please note, you may receive a shorter balance transfer introductory period and different representative APR based on your individual circumstances. At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

¥Minimum £100 balance transfer. An initial 3% fee applies; we'll then refund 0.2% within 90 days, so the effective fee is 2.8%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer.

 

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.

Find out more about the 33 Month Balance Transfer Credit Card

 

All in One Credit CardAll in One Credit Card

  • 0% for 19 months from account opening on balance transfers within the first 90 days.
  • 0% for 16 months from account opening on purchases.
  • 2% fee applies on balance transfers within the first 90 days.2


At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

2 Minimum £100 balance transfer. 2% 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.

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.

 

0.8% balance transfer fee offer0.8% balance transfer fee offer

  • 0% for 15 months from account opening on balance transfers within the first 90 days.
  • 0% for 15 months from account opening on purchases.
  • A low 0.8% fee applies on balance transfers within the first 90 days.3


At least 51% of successful applicants will receive a representative rate of 17.9% APR (variable).

3 Minimum £100 balance transfer. 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.

Representative 
17.9% APR
(variable)
Purchase rate
17.95% p.a.
(variable)
Based on borrowing
£1,200
over 12 months.
Credit limits and interest rates will vary based on your individual circumstances.

 

10 month balance transfer and purchase offer10 month balance transfer and purchase offer

  • 0% for 10 months from account opening on balance transfers within the first 90 days.
  • 0% for 10 months from account opening on purchases.
  • An initial 3% fee applies, we'll then refund 2.6% on balances transferred within the first 90 days.*


At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

* Minimum £100 balance transfer. An initial 3% fee applies; we'll then refund 2.6% within 90 days, so the effective fee is 0.4%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer.

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.

 

20 Month Purchase CardPurchase Credit Card

  • 0% for up to the first 20 months on purchases from account opening.
  • 0% for 6 months from account opening on balance transfers within the first 90 days.
  • 1% fee applies on each balance transfer made in the first 90 days.4

Please note, you may receive a shorter purchase introductory period and different representative APR based on your individual circumstances. At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).
4 Minimum £100 balance transfer. 1% 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.

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.

 

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 cardsRepresentative 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. Interest rates apply.3

At least 51% of successful applicants will receive a representative rate of 12.9% APR (variable).

Minimum £100 balance transfer.

3 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.

Representative 
12.9% APR
(variable)
Purchase rate
12.94% p.a.
(variable)
Based on borrowing
£1,200
over 12 months.
Credit limits and interest rates will vary based on your individual circumstances.

Find out more about the Clarity card

 

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 cardsRepresentative example 

Student CardStudent Credit Card

  • Credit limits up to £1,000 (subject to status).
  • Weekly balance updates via SMS text.
  • Payment due alerts via SMS text.

All successful applicants will receive a representative rate of 19.9% APR (variable).

Representative 
19.9% APR
(variable)
Purchase rate
19.95% p.a.
(variable)
Based on borrowing
£1,000
over 12 months.
Credit limits will vary based on your individual circumstances.

Find out more about the Student Card

 

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.

You are here:  Home > Credit Cards
close

h3 tag


    or