Balance transfer offer for current account customers

A balance transfer credit card offer for qualifying current account customers that gives you even more time without incurring interest on balances transferred.

•  0% for the first 15 months on balances transferred in the first 90 days (with a 3% fee).
•  In addition, we'll give you 0% for the first 3 months on purchases

Typical 16.9% APR variable.

To benefit from the 0% rate you must stay within your credit limit and make your payments on time. The 0% offer excludes balance transfers from existing Bank of Scotland or Halifax cards.

What else do I need to know?

To qualify for this exclusive offer, you’ll need one of the following:

• A current account with us into which you pay £1,000 or more each month
• An Ultimate Reward Current Account

This offer is available to new and existing current account customers applying for a credit card. Credit available subject to status to UK residents aged 18 or over.

This card is not available from any of our high street branches.

The 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 24 million locations worldwide
• Additional cards available  
• Our typical rate is 16.9% APR  (variable)

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.

You will get 0% for 15 months on balance transfers made within the first 90 days (a fee of 3% applies for each balance transfer) and for the first 3 months you will also get 0% on purchases. Your personal APR for purchases will be either 16.9% APR (variable), 19.9% APR (variable) or 21.9% APR (variable). Your interest rates for balance transfers will be the same as for purchases.

Two thirds of customers are offered our best rate of typical 16.9% APR (variable).

You can apply online  - The 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.

Our typical rate is 16.9% APR  (variable).

This card is not available in our high street branches.