The Halifax All in One Credit Card
Looking for an offer on balance transfers and purchases?
Overview
If you want a card that gives you an amazing introductory offer on both balance transfers and purchases then look no further.
0% for up to 15 months on balance transfers* (3% fee applies) 0% for up to 15 months on purchases*
*The majority of customers will be offered our best rate of 17.9% APR representative (variable) and 0% for 15 months on balance transfers and purchases. Other customers will receive a 0% introductory offer of 13 or 11 months.
Please be aware to keep promotional rates you must pay at least the minimum payment by the due date and stay within your credit limit. Balance transfers can be made from most credit and some store cards, excluding other Halifax or Bank of Scotland products.
This card is not available from any of our high street branches.
Other Extras
The All in One card offers the following Halifax extras:
- Cover against online fraud when purchasing on the Internet
- Card replacement if lost
- No interest will be charged on purchases if every statement balance is paid in full by the payment date
- No annual fee
- Manage your card online
- Around the clock service
- Accepted wherever you see the MasterCard sign in over 31 million locations worldwide
- Additional cards available
Plus...
you get the choice of five card colours.
Summary box
| The information contained in this table summarises key product features and isn't intended to replace any terms and conditions. | ||||
| APR | Representative 17.9% APR (variable) Rates from 17.9% APR variable to 23.9% APR variable depending on individual circumstances |
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| Interest rates | Introductory rate | Monthly rate | Annual rate | |
| Purchases | 0% up to15 months* | 1.385% or 1.667% or 1.805% | 17.95% or 21.95% or 23.95% | |
| Cash advances | N/A | 2.0750% | 27.95% | |
| Balance transfers | 0% up to15 months* | 1.385% or 1.667% or 1.805% | 17.95% or 21.95% or 23.95% | |
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We may apply the standard interest rate to transactions before the end of the special promotion period if in any month you do not make at least your minimum payment by the payment date or if you exceed your credit limit at any time. *The majority of customers will be offered our best rate of 17.9% APR representative (variable) and 0% for 15 months on balance transfers and purchases. Other customers will receive a 0% introductory offer of 13 or 11 months. |
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| Interest free period |
You won't pay interest on purchases if you pay your balance in full and on time each month. See section 3.5 of the terms and conditions for full details. There's no interest free period on cash advances, balance transfers or cheques. |
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| Interest charging information | You won't pay interest on new purchases if you pay your balance in full and on time. Otherwise, the period over which interest is charged is as follows: | |||
| From | Until | |||
| Purchases | Date debited to your account | Paid in full | ||
| Cash advances | Date debited to your account | Paid in full | ||
| Balance transfers | Date debited to your account | Paid in full | ||
| All Other amounts | Date debited to your account | Paid in full | ||
| Allocation of payments | If you don't pay your balance in full we'll allocate your payments to balances with the highest interest rate before balances with lower interest rates. See Section 2.2 of the terms and conditions for full details. | |||
| Minimum repayment | Each month in which you have a balance outstanding on your account you must repay an amount equal to the total of any Credit Card Repayments Cover premiums, interest, default sums plus 1% of the balance shown on your statement (minimum £5), or the full balance if less than £5. | |||
| Credit limit | Minimum credit limit | Subject to status | ||
| Maximum credit limit | Subject to status | |||
| Fees | No annual fee | |||
| Charges | Cash advance fee | 3% or minimum £3 | ||
| Foreign exchange commission | 2.95% | |||
| Balance transfer fee | 3% or minimum £3 | |||
| Cheque fee | 3% or minimum £3 | |||
| Copy statement fee | £5 | |||
| Statement date change fee | £5 | |||
| Processing any foreign currency payment to us | £10 | |||
| Stopped cheque fee (other than lost or stolen) | £10 | |||
| For further details please refer to the account terms and conditions. | ||||
| Default charges | Late payment fee | £12 | ||
| Over limit fee | £12 | |||
| Returned payment fee | £12 | |||
Your APR Explained
As we treat all our customers and their applications on an individual basis, the APR and interest rates we offer are determined by the details customers supply, along with an independent verification of credit and repayment history.
The majority of customers will be offered our best rate of 17.9% APR representative (variable) and 0% for 15 months on balance transfers and purchases. Other customers will receive a 0% introductory offer of 13 or 11 months. A fee of 3% applies for each balance transfer.
Your personal APR for purchases will be either 17.9% APR (variable), 21.9% APR (variable) or 23.9% APR (variable). Your interest rate for balance transfers will be the same as for purchases.
At least 51% of customers are offered our best rate of 17.9% APR representative (variable).
Apply
You can apply online - our Halifax All in One Card application form will open in a new window, and take about five minutes to complete. You'll need to have your credit card details to hand if you want to transfer balances online.
In most circumstances you'll get an instant decision.
If you would rather apply over the telephone, call us on 0800 028 3258 between 8am - 10pm Mon - Fri & 8am - 7pm Sat - Sun
This card is not available in our high street branches.
