The Halifax Student Credit Card
Putting you in control...
Overview
The Halifax Student Credit Card is designed to put you in control of your finances now, as well as to help you start to build your credit history for the future. We offer the following benefits:
An adjustable credit limit - we will set your credit limit at £500, but you can decide how
much, from £500 down to £100. Let us know how much you want when you activate
your card Free text alerts - to remind you to pay your bill and the minimum payment required Choose the exclusive student designed card or one of 5 other colours.
Take a few minutes to apply online for an instant decision (in most circumstances).
Other Extras
The Halifax Student Credit Card gives you:
- Weekly balance updates via text to help you to stay in control
- No interest will be charged on purchases if every statement balance is paid in full by the payment date
- No annual fee
- Cover against online fraud when purchasing goods on the internet
- Accepted wherever you see the MasterCard sign in over 31 million locations worldwide
What's more...
we have a new plastic design, exclusively for students!
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) | |||
| Interest rates | Introductory rate | Monthly rate | Annual rate | |
| Purchases | N/A | 1.385% | 17.95% | |
| Cash advances | N/A | 1.805% | 23.95% | |
| Balance transfers | N/A | 1.385% | 17.95% | |
| 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. | ||||
| 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 | |||
Apply
You can apply online - our Student credit card application form will open in a new window, and will take about five minutes to complete. You need to be over 18 and a UK resident.
In most circumstances you'll get an instant decision.
If you would rather apply over the telephone, call us on 0800 141 2635 between 8am - 10pm Mon - Fri & 8am - 7pm Sat - Sun
