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 find the card that’s right for you.

All promotional rates apply from the date we open your account unless otherwise stated. You must pay at least the minimum payment by the due date and stay within your credit limit to keep promotional rates.

Apply for our best credit card deals

Credit cardsBalance transfer Purchase offer Representative exampleApply

30 Month Balance Transfer CardOur longest Balance Transfer offer
Up to 30 months interest free - our longest EVER offer on balances transferred in the first 90 days.

Sort order 5

0% up to
30 months4
3% fee

 

Sort order 4

0%
6 months

 

Representative 18.9% APR (variable)
Purchase rate 18.95% pa (variable)
With an example credit limit of £1,200

Apply now for the 30 Month Balance Transfer Card

Find out more

28 Month Balance Transfer Card2.45% Balance Transfer refund offer
Refunds part of an initial 3% balance transfer fee so overall a 2.45% fee is payable.
Offers up to 28 months interest free on balances transferred in the first 90 days.

Sort order 5

0% up to
28 months2
3% fee

 

Sort order 4

0%
6 months

 

Representative 18.9% APR (variable)
Purchase rate 18.95% pa (variable)
With an example credit limit of £1,200

Apply now for the 28 Month Balance Transfer Card

Find out more

24 Month Balance Transfer Card1.50% Balance Transfer refund offer
Refunds part of an initial 3% balance transfer fee so overall a 1.50% fee is payable.
Offers up to 24 months interest free on balances transferred in the first 90 days.

Sort order 5

0% up to
24 months5
3% fee

 

Sort order 4

0%
3 months

 

Representative 18.9% APR (variable)
Purchase rate 18.95% pa (variable)
With an example credit limit of £1,200

Apply now for the 24 Month Balance Transfer Card

Find out more

All in One CardAll in One Credit Card
An amazing 15 months interest free on both balance transfers and purchases for the majority of our customers.1
Balance transfer fee refund - refunds part of an initial 3% fee so overall a 0.8% fee is payable.

Sort order 4

0%
15 months1
3% fee

 

Sort order 5

0%
15 months1

 

Representative 17.9% APR (variable)
Purchase rate 17.95% pa (variable)
With an example credit limit of £1,200

Apply now for a Halifax All in One Card

Find out more

17 Month Purchase Card17 Month Purchase Credit Card
A great interest free purchase offer that could help you save money.

Sort order 3

0%
6 months
3% fee

 

Sort order 6

0% up to
17 months3

 

Representative 16.9% APR (variable)
Purchase rate 16.95% pa (variable)
With an example credit limit of £1,200

Apply now for the Halifax 17   Month Purhcase Card

Find out more

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

Representative 12.9% APR (variable)
Purchase rate 12.95% pa (variable)
With an example credit limit of £1,200

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

Representative 19.9% APR (variable)
Purchase rate 19.95% pa (variable)
With an example credit limit of £1,000

Apply now for a Student Card

Find out more

Balance transfers can be made from most credit and some store cards, excluding other Halifax products.

1All in One Credit Card: The majority of customers will be offered our best rate of 17.9% APR representative (variable). Other customers will receive rates of either 21.9% APR (variable) or 25.9% APR (variable). All customers will get 0% for 15 months on balances transferred in the first 90 days (3% fee applies) and 0% for the first 15 months on purchases.

2 28 Month Balance Transfer Credit Card: Most customers will be offered our best rate of 18.9% APR (variable) and 0% for the first 28 months on balances transferred in the first 90 days (3% fee applies). Other customers will receive 0% for the first 28 or 25 months with a rate of 21.9% APR (variable), or the first 22 months with a rate of 25.9% APR (variable) on balances transferred in the first 90 days (3% fee applies). All customers will get 0% for the first 6 months on purchases.

317 Month Purchase Credit Card: Most customers will be offered our best rate of 16.9% APR (variable) and 0% for the first 17 months on purchases. Other customers will receive 0% purchase offers for either the first 12 months with a rate of 21.9% APR (variable) or the first 9 months with a rate of 25.9% APR (variable). All customers will get 0% for the first 6 months on balances transferred in the first 90 days (3% fee applies).

4 30 Month Balance Transfer Credit Card: Most customers will be offered our best rate of 18.9% APR (variable) and 0% for the first 30 months on balances transferred in the first 90 days (3% fee applies). Other customers will receive 0% for the first 30 or 27 months with a rate of 21.9% APR (variable), or the first 24 months with a rate of 25.9% APR (variable) on balances transferred in the first 90 days (3% fee applies). All customers will get 0% for the first 6 months on purchases.

5 24 Month Balance Transfer Credit Card: Most customers will get 0% for the first 24 months on balance transfers, at our best rate of 18.9% APR (variable). Others will get 0% for the first 21 or 18 months at a rate of 21.9% APR (variable), or the first 15 months at a rate of 25.9% APR (variable). All customers will get 0% for the first 3 months on purchases. The purchase interest rate will be the same as the balance transfer interest rate.

You must be a UK resident aged 18 or over to apply for a Halifax Credit Card available subject to status.

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

Our credit cards with interest free introductory offers

Credit cardsBalance transfer Purchase offer Representative exampleApply

28 Month Balance Transfer CardOur longest Balance Transfer offer
Up to 30 months interest free - our longest EVER offer on balances transferred in the first 90 days.

Sort order 5

0% up to
30 months4
3% fee

 

Sort order 4

0%
6 months

 

Representative 18.9% APR (variable)
Purchase rate 18.95% pa (variable)
With an example credit limit of £1,200

Apply now for the 30 Month Balance Transfer Card

Find out more

28 Month Balance Transfer Card2.45% Balance Transfer refund offer
Refunds part of an initial 3% balance transfer fee so overall a 2.45% fee is payable.
Offers up to 28 months interest free on balances transferred in the first 90 days.

Sort order 3

0% up to
28 months2
3% fee

 

Sort order 2

0%
6 months

 

Representative 18.9% APR (variable)
Purchase rate 18.95% pa (variable)
With an example credit limit of £1,200

Apply now for the 28 Month Balance Transfer Card

Find out more

24 Month Balance Transfer Card1.50% Balance Transfer refund offer
Refunds part of an initial 3% balance transfer fee so overall a 1.50% fee is payable.
Offers up to 24 months interest free on balances transferred in the first 90 days.

Sort order 5

0% up to
24 months5
3% fee

 

Sort order 4

0%
3 months

 

Representative 18.9% APR (variable)
Purchase rate 18.95% pa (variable)
With an example credit limit of £1,200

Apply now for the 24 Month Balance Transfer Card

Find out more

All in One CardAll in One Credit Card
An amazing 15 months interest free on both balance transfers and purchases for the majority of our customers.1
Balance transfer fee refund - refunds part of an initial 3% fee so overall a 0.8% fee is payable.

Sort order 2

0%
15 months1
3% fee

 

Sort order 3

0%
15 months1

 

Representative 17.9% APR (variable)
Purchase rate 17.95% pa (variable)
With an example credit limit of £1,200

Apply now for a Halifax All in One Card

Find out more

17 Month Purchase Card17 Month Purchase Credit Card
A great interest free purchase offer that could help you save money.

Sort order 1

0%
6 months
3% fee

 

Sort order 4

0% up to
17 months3

 

Representative 16.9% APR (variable)
Purchase rate 16.95% pa (variable)
With an example credit limit of £1,200

Apply now for the Halifax 17 Month Purchase Credit Card

Find out more

Balance transfers can be made from most credit and some store cards, excluding other Halifax products.

1All in One Credit Card: The majority of customers will be offered our best rate of 17.9% APR representative (variable). Other customers will receive rates of either 21.9% APR (variable) or 25.9% APR (variable). All customers will get 0% for 15 months on balances transferred in the first 90 days (3% fee applies) and 0% for the first 15 months on purchases.

2 28 Month Balance Transfer Credit Card: Most customers will be offered our best rate of 18.9% APR (variable) and 0% for the first 28 months on balances transferred in the first 90 days (3% fee applies). Other customers will receive 0% for the first 28 or 25 months with a rate of 21.9% APR (variable), or the first 22 months with a rate of 25.9% APR (variable) on balances transferred in the first 90 days (3% fee applies). All customers will get 0% for the first 6 months on purchases.

317 Month Purchase Credit Card: Most customers will be offered our best rate of 16.9% APR (variable) and 0% for the first 17 months on purchases. Other customers will receive 0% purchase offers for either the first 12 months with a rate of 21.9% APR (variable) or the first 9 months with a rate of 25.9% APR (variable). All customers will get 0% for the first 6 months on balances transferred in the first 90 days (3% fee applies).

4 30 Month Balance Transfer Credit Card: Most customers will be offered our best rate of 18.9% APR (variable) and 0% for the first 30 months on balances transferred in the first 90 days (3% fee applies). Other customers will receive 0% for the first 30 or 27 months with a rate of 21.9% APR (variable), or the first 24 months with a rate of 25.9% APR (variable) on balances transferred in the first 90 days (3% fee applies). All customers will get 0% for the first 6 months on purchases.

5 24 Month Balance Transfer Credit Card: Most customers will get 0% for the first 24 months on balance transfers, at our best rate of 18.9% APR (variable). Others will get 0% for the first 21 or 18 months at a rate of 21.9% APR (variable), or the first 15 months at a rate of 25.9% APR (variable). All customers will get 0% for the first 3 months on purchases. The purchase interest rate will be the same as the balance transfer interest rate.

You must be a UK resident aged 18 or over to apply for a Halifax Credit Card available subject to status.

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 and no fee credit cards

Credit cardsBalance transfer Purchase offer Representative exampleApply

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

Representative 12.9% APR (variable)
Purchase rate 12.95% pa (variable)
With an example credit limit of £1,200

Apply now for the Clarity card

Find out more

You must be a UK resident aged 18 or over to apply for a Halifax Credit Card available subject to status.

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

Other credit cards

Credit cardsBalance transfer Purchase offer Representative exampleApply

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

Sort order 1

NA

Sort order 1

NA

Representative 19.9% APR (variable)
Purchase rate 19.95% pa (variable)
With an example credit limit of £1,000

Apply now for a Student Card

Find out more

You must be a UK resident aged 18 or over to apply for a Halifax Credit Card available subject to status.

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 except for lending where we are licensed by the Office of Fair Trading.

We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk.

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