The Halifax All in One Credit Card

A great all round credit card for balance transfers and purchases

Balance transfer fee refund - refunds part of a 3% fee so overall a 0.8% fee is payable.

The Halifax All in One credit card is perfect for transferring your existing balance to as well as interest free spending. It is an all-round general purpose card.

  • 0% for the first 15 months on balances transferred in the first 90 days (3% fee)
  • 0% for the first 15 months on purchases
  • Manage your card online using Online Banking and Mobile Banking.

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. 

Representative example:

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). [?]

This example is for illustrative purposes and serves as a guide only. Your actual credit limit and rate will vary based on your individual circumstances and may differ from the example shown.

It takes just minutes to apply

The All in One Credit Card

To keep promotional rates you must pay at least the minimum payment by the due date and stay within your credit limit.

About your card

Here are just some of the benefits you get with the Halifax All in One Card

Do you like to keep things simple? The Halifax All in One Credit Card saves the hassle of juggling several cards with a single great all-round offer. You can transfer a balance to take advantage of our interest free offer (3% fee applies), make purchases at 0% for up to the first 15 months or both at the same time. If you want flexibility this could be one of the best credit card deals for you.

  • You're covered against online fraud and your transaction will be protected by Halifax Secure when you shop with participating retailers online.
  • You can make Faster Payments to your card within a matter of hours, giving you more flexibility and control over your finances.
  • You can request an additional card holder.

How the balance transfer fee refund offer works:

  • You'll initially be charged a 3% fee for each balance transfer.
  • We'll then refund 2.2% of each balance transferred to us within 90 days, so overall you will pay a fee of just 0.8% for each balance you transfer.
  • Minimum balance transfer amount is £100.

What is a representative example?

The representative example is an illustration of the rate that the majority of customers will get.

If a credit card is described as having a particular representative APR then at least 51% of people accepted will get that rate. Other customers may get a different rate based on their individual circumstances.

We use an example borrowing amount of £1,200 to calculate our representative example but in reality this figure could be different. This figure is not the credit limit you will be receiving and is for illustrative purposes only.

The purchase rate is the rate of interest you'll be charged on purchases made with your credit card after any introductory offer has ended. A variable rate means that your interest rate may change over time.

What does APR mean?

Annual Percentage Rate (APR) tells you how much your borrowing will cost over an average year. It takes into account interest charged as well as any additional fees you'll have to pay (such as any annual fees). This figure is given to allow you to make an easy and fair comparison between different credit cards.

How do we decide the APR you get?

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). 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.

Your personal APR for purchases will be either 17.9% APR (variable), 21.9% APR (variable) or 25.9% 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).

Summary box

It’s always good to know the exact details so here is a clear summary of all the key credit card features. The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

SUMMARY BOX -  Halifax All in One Credit Card
APR Representative 17.9% APR (variable)
Rates from 17.9% APR (variable) to 25.9% APR (variable), depending on individual circumstances.
Interest
rates
  Introductory rate Monthly rate Annual rate
Purchases 0% p.a. for Purchases. This rate is fixed for 15 months from when we open your account. 1.385% or
1.667% or 1.941%
17.95% or
21.95% or
25.95%
Cash Withdrawals not applicable. 1.385% or
1.667% or
1.941%
17.95% or
21.95% or
25.95%
Balance Transfers 0% p.a. on Balance Transfers you make in the first 90 days after we open your account. This rate is fixed for either 15 months from when we open your account.

1.385% or
1.667% or
1.941%

17.95% or
21.95% or
25.95%
We may apply the standard interest rate during any special promotion period to any transaction if in any month you do not make at least your minimum payment by the minimum payment date or if you exceed your credit limit at any time.
Interest-free
period
  • Maximum 56 days for purchases if you pay the full balance shown on your previous and current statement on time.
  • No interest-free period on balance transfers or cash withdrawals.
Interest
charging
information
You will not pay interest on new purchases if you pay the full balance shown on your previous and current statement 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 Withdrawals date debited to your account paid in full
Balance Transfers date debited to your account paid in full
Allocation of payments   If you don't pay your balance in full we will allocate payments to balances with the highest interest rate before balances with lower interest rates. See section 6.1 of the terms and conditions for full details
Minimum repayment An amount equal to the total of interest, default charges and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
Credit limit Minimum credit limit £500. Your cash limit is 50% of your actual limit.
Maximum credit limit Subject to status.
Fees No annual fee.
Charges Cash withdrawals 3% or minimum £3.
Balance Transfers 3% for each individual Balance Transfer.
Copy statements £6 for copies of non-current statements.
Copies of transactions £5 for each copy of a record of a transaction.
Foreign Usage Payment scheme exhange rate Indicative rates can be found at https://www.mastercard.com/global/currencyconversion/index.html
One or more of the following may apply:
Non-Sterling Transaction fee 2.95% of the amount of the sterling transaction value.
Cash fee 3% minimum £3
Default charges Late Payment charge £12
Returned Payment charge £12
Overlimit charge £12
These details are correct on 05/08/2013

Cost of Borrowing

Credit cards are designed to be a flexible form of borrowing. Paying the minimum amount every so often can help you manage your money more effectively, although we would not recommend that you make minimum payments for a long period of time once your promotional offers have ended. Once your account is open, you can set up a Direct Debit for any fixed amount over the minimum payment by calling
08457 28 38 48. Lines are open 24 hours a day, 7 days a week.

For longer term borrowing it may be more appropriate to choose a loan from us. If you would like to find out more about this you can call Halifax Personal Loans on 0845 600 46 11, or visit http://www.halifax.co.uk/loans or call into a Halifax branch, where our staff will be happy to help.

The following example highlights the difference between only paying the minimum and paying a fixed amount:

 

Illustrative exampleFor a purchase of £1,000 on your Halifax All in One Credit Card...
Monthly Payment If you pay the minimum payment each month If you pay £50 each month
How much interest will you be charged in the first year? £0.00 £0.00
How much interest will you be charged in the second year? £102.72 £13.02
How long would it take to clear the balance? 18 years 1 month 1 year 10 months

The above example assumes the following:

  • The transaction takes place on 1 January and you make no further transactions.
  • You always make the payment each month on the 15th.
  • Your statement is produced on the 1st of each month.
  • You are on the best rate available.

Halifax is a responsible lender and we only want you to borrow what you can afford and in a way that is best for you. If you’d like to talk to us about the choices you’ve made or would like advice, we will be happy to refer you to a member of staff who will be able to help you. They will also be able to help you if you’re experiencing financial difficulties.

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

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
Credit facilities available subject to status to UK residents aged 18 or over.

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