Credit Cards.


Looking for a new credit card?

Try our eligibility tool. It will show you how likely you are to be accepted for a Halifax credit card.  

It won’t affect your credit score and you don’t have to apply for one afterwards if you don’t want to.

Compare our credit cards
Our guide to credit cards
How to apply for a credit card


Manage your Halifax credit card

If you’re already a Halifax credit card customer, all the help you need is in one place.

Activate your new card
Report your card lost or stolen
Get a second credit card
Ways to pay your credit card bill


Credit card help & guidance

A credit card can be very handy. The trick is learning how it works so you can use it wisely. Whether you’re thinking of applying for a Halifax credit card or you’re already a customer, our guides will help you find out more.

Learn about APR, interest rates and fees
Top tips for managing your card

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To help you find a suitable credit card, we just need to know:

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We'll make some assumptions about your card usage to make a calculation

To help you find a suitable credit card, we just need to know:

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We'll make some assumptions about your card usage to make a calculation

20 Month Purchase and Balance Transfer

0% Purchase and Balance Transfer

20 Month Purchase and Balance Transfer

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section
Balance transfer offer

0% for up to 20 months

on balance transfers made within 90 days of account opening

Balance transfer fee

3%

on balance transfers made within 90 days of account opening.

Purchase rate offer

0% for 20 months

from account opening

Representative example

A variable representative of
19.9% APR
A variable annual purchase rate of
19.95% p.a.
Based on borrowing
£1,200 over 12 months

Credit limits and interest rates vary based on your individual circumstances.

Keep in mind: you may be offered a Classic Credit Card; the promotional period and rate of the offer may be different based on your individual circumstances.

29 Month Balance Transfer

Our Longest 0% Balance Transfer

29 Month Balance Transfer

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section
Balance transfer offer

0% for up to 29 months

on balance transfers made within 90 days of account opening

Balance transfer fee

3%

on each balance transfer made.

Purchase rate offer

0% for 3 months

from account opening

Representative example

A variable representative of
19.9% APR
A variable annual purchase rate of
19.95% p.a.
Based on borrowing
£1,200over 12 months

Credit limits and interest rates vary based on your individual circumstances.

Keep in mind: you may be offered a Classic Credit Card; the promotional period and rate of the offer may be different based on your individual circumstances.

Clarity Credit Card

Clarity Credit Card

Ready for your next overseas holiday? Travel abroad with one simple rate & no usage fees.

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section
  • No fees for using your card anywhere worldwide (interest charges apply)
  • No fees for withdrawing cash (interest charges apply and some ATM providers may charge a fee)

Representative example

A variable representative of
19.9% APR
A variable annual purchase rate of
19.95% p.a.
Based on borrowing
£1,200 over 12 months

Credit limits and interest rates vary based on your individual circumstances.

Keep in mind: you may receive a rate of 27.9% APR (variable), depending on your individual circumstances.

25 Month Balance Transfer

Low Fee 0% Balance Transfer

25 Month Balance Transfer

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section
Balance transfer offer

0% for up to 25 months

on balance transfers made within 90 days of account opening

Balance transfer fee

1%

on balance transfers made within 90 days of account opening.

Purchase rate offer

0% for 12 months

from account opening.

Representative example

A variable representative of
19.9% APR
A variable annual purchase rate of
19.95% p.a.
Based on borrowing
£1,200 over 12 months

Credit limits and interest rates vary based on your individual circumstances.

Keep in mind: you may be offered a Classic Credit Card; the promotional period and rate of the offer may be different based on your individual circumstances.

FlexiCard Credit Card

FlexiCard Credit Card

One simple low rate, and you can set up instalment plans online to help manage your repayments

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section
  • Instalment plans over 2 to 36 months for your eligible balance
  • A low representative rate of 9.9% APR (variable)
  • 0% fee on balance transfers made within the first 90 days

Representative example

A variable representative of
9.9%APR
A variable annual purchase rate of
9.95% p.a.
Based on borrowing
£1,200 over 12 months

Credit limits and interest rates vary based on your individual circumstances.

Keep in mind: you may receive a different rate of 16.9% APR, depending on your individual circumstances.

15 Month Balance Transfer

No Fee 0% Balance Transfer

15 Month Balance Transfer

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section

Your spendX

Time to pay

X

Fee + Interest

X

How is this calculated?Expandable section
Balance transfer offer

0% for up to 15 months

on balance transfers made within 90 days of account opening

Balance transfer fee

0%

on balance transfers made within 90 days of account opening.

Purchase rate offer

0% for 6 months

from account opening

Representative example

A variable representative of
19.9% APR
A variable annual purchase rate of
19.95% p.a.
Based on borrowing
£1,200 over 12 months

Credit limits and interest rates vary based on your individual circumstances.

Keep in mind: you may be offered a Classic Credit Card; the promotional period and rate of the offer may be different based on your individual circumstances.