Halifax Credit Cards.

Compare our great range of credit card products, deals and offers, whether you’re looking for a credit card to make every day purchases, to do a balance transfer or just a simple to use credit card. You can use the table below to see if there's a card that’s right for you.

Important information about our credit cards:
Credit available subject to status, to UK residents aged 18 or over. You can transfer balances to us (£100 minimum) from most credit cards and some store cards, excluding other Halifax products. All promotional rates apply from the date we open your account. You must pay at least the minimum payment by the due date each month and stay within your credit limit to keep the promotional rates.

All our credit cards including our best online deals.

Credit Cards

Representative example

Our longest balance transfer offer

  • 0% for up to 36 months from account opening on balance transfers within the first 90 days.
  • 0% for 6 months from account opening on purchases.
  • An initial 3% fee applies, we'll then refund 0.55% on balances transferred within the first 90 days.¥

You may receive a shorter balance transfer introductory period and different APR based on your individual circumstances. At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

¥ Minimum £100 balance transfer. An initial 3% fee applies; we'll then refund 0.55% within 90 days, so the effective fee is 2.45%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer.

Representative
18.9% APR
(variable)


Purchase rate
18.95% p.a.
(variable)


Based on borrowing
£1,200
over 12 months.


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

Find out more

1.5% balance transfer fee offer

  • 0% for 28 months from account opening on balance transfers within the first 90 days.
  • 0% for 12 months from account opening on purchases.
  • 1.5% fee applies on balance transfers within the first 90 days.1

At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

1 Minimum £100 balance transfer. 1.5% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account.

Representative
18.9% APR
(variable)


Purchase rate
18.95% p.a.
(variable)


Based on borrowing
£1,200
over 12 months.


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

Find out more

A Good All Rounder

  • 0% for up to 24 months from account opening on balance transfers within the first 90 days.
  • 0% for up to 24 months from account opening on purchases.
  • 0.8% fee applies on balance transfers within the first 90 days.2

You may receive a shorter introductory period on balance transfers and purchases, and a different representative APR based on your individual circumstances. At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

2 Minimum £100 balance transfer. 0.8% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account.

Representative 
18.9% APR
(variable)


Purchase rate
18.95% p.a.
(variable)


Based on borrowing
£1,200
over 12 months.


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

Find out more

0% balance transfer fee offer

  • 0% for up to 18 months from account opening on balance transfers within the first 90 days.
  • 0% for 6 months from account opening on purchases.
  • 0% fee applies on balance transfers within the first 90 days.3

You may receive a shorter introductory period on balance transfers and purchases, and a different APR based on your individual circumstances. At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

3 Minimum £100 balance transfer. 0% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account.

Representative 
18.9% APR
(variable)


Purchase rate
18.95% p.a.
(variable)


Based on borrowing
£1,200
over 12 months.


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

Find out more

Low Rate Credit Card

  • A low representative rate of 6.4% APR (variable).
  • One simple rate for both balance transfers and purchases.
  • 0% fee on balance transfers within the first 90 days.4

At least 51% of successful applicants will receive a representative rate of 6.4% APR (variable).

4 Minimum £100 balance transfer. 0% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days from when we open your account.

Representative 
6.4% APR
(variable)


Purchase rate
6.45% p.a.
(variable)


Based on borrowing
£1,200
over 12 months.


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

Find out more

Clarity Credit Card

  • One simple rate for balance transfers, purchases & cash withdrawals.
  • No fee for transferring a balance or withdrawing cash (interest charges apply).5
  • No fee for using your card anywhere worldwide (interest charges apply).5

At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

5 Minimum £100 balance transfer. We don’t charge a cash advance fee but some independent providers may charge fees for use of their ATM service. While there are no usage fees for the Clarity Credit Card, interest charges still apply - see the Summary Box for full details.

Representative
18.9% APR
(variable)


Purchase rate
18.95% p.a.
(variable)


Based on borrowing
£1,200
over 12 months.


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

Find out more

Student Credit Card

  • Credit limits up to £1,000 (subject to status).
  • Weekly balance updates via SMS text.
  • Payment due alerts via SMS text.

All successful applicants will receive a representative rate of 19.9% APR (variable).

Representative 
19.9% APR
(variable)


Purchase rate
19.95% p.a.
(variable)


Based on borrowing
£1,000
over 12 months.


Credit limits will vary based on your individual circumstances.

Find out more

Our longest balance transfer offer

  • 0% for up to 36 months from account opening on balance transfers within the first 90 days.
  • 0% for 6 months from account opening on purchases.
  • An initial 3% fee applies, we'll then refund 0.55% on balances transferred within the first 90 days.¥

You may receive a shorter balance transfer introductory period and different APR based on your individual circumstances. At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

¥ Minimum £100 balance transfer. An initial 3% fee applies; we'll then refund 0.55% within 90 days, so the effective fee is 2.45%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer.


Representative example

Representative
18.9% APR
(variable)


Purchase rate
18.95% p.a.
(variable)


Based on borrowing
£1,200
over 12 months.


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

1.5% balance transfer fee offer

  • 0% for 28 months from account opening on balance transfers within the first 90 days.
  • 0% for 12 months from account opening on purchases.
  • 1.5% fee applies on balance transfers within the first 90 days.1

At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

1 Minimum £100 balance transfer. 1.5% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account.


Representative example

Representative
18.9% APR
(variable)


Purchase rate
18.95% p.a.
(variable)


Based on borrowing
£1,200
over 12 months.


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

A Good All Rounder

  • 0% for up to 24 months from account opening on balance transfers within the first 90 days.
  • 0% for up to 24 months from account opening on purchases.
  • 0.8% fee applies on balance transfers within the first 90 days.2

You may receive a shorter introductory period on balance transfers and purchases, and a different representative APR based on your individual circumstances. At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

2 Minimum £100 balance transfer. 0.8% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account.


Representative example

Representative 
18.9% APR
(variable)


Purchase rate
18.95% p.a.
(variable)


Based on borrowing
£1,200
over 12 months.


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

0% balance transfer fee offer

  • 0% for up to 18 months from account opening on balance transfers within the first 90 days.
  • 0% for 6 months from account opening on purchases.
  • 0% fee applies on balance transfers within the first 90 days.3

You may receive a shorter introductory period on balance transfers and purchases, and a different APR based on your individual circumstances. At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

3 Minimum £100 balance transfer. 0% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account.


Representative example

Representative 
18.9% APR
(variable)


Purchase rate
18.95% p.a.
(variable)


Based on borrowing
£1,200
over 12 months.


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

Low Rate Credit Card

  • A low representative rate of 6.4% APR (variable).
  • One simple rate for both balance transfers and purchases.
  • 0% fee on balance transfers within the first 90 days.4

At least 51% of successful applicants will receive a representative rate of 6.4% APR (variable).

4 Minimum £100 balance transfer. 0% fee applies on each balance transfer made in the first 90 days. 3% fee applies on each balance transfer made after the first 90 days from when we open your account.


Representative example

Representative 
6.4% APR
(variable)


Purchase rate
6.45% p.a.
(variable)


Based on borrowing
£1,200
over 12 months.


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

Clarity Credit Card

  • One simple rate for balance transfers, purchases & cash withdrawals.
  • No fee for transferring a balance or withdrawing cash (interest charges apply).5
  • No fee for using your card anywhere worldwide (interest charges apply).5

At least 51% of successful applicants will receive a representative rate of 18.9% APR (variable).

5 Minimum £100 balance transfer. We don’t charge a cash advance fee but some independent providers may charge fees for use of their ATM service. While there are no usage fees for the Clarity Credit Card, interest charges still apply - see the Summary Box for full details.


Representative example

Representative
18.9% APR
(variable)


Purchase rate
18.95% p.a.
(variable)


Based on borrowing
£1,200
over 12 months.


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

Student Credit Card

  • Credit limits up to £1,000 (subject to status).
  • Weekly balance updates via SMS text.
  • Payment due alerts via SMS text.

All successful applicants will receive a representative rate of 19.9% APR (variable).


Representative example

Representative 
19.9% APR
(variable)


Purchase rate
19.95% p.a.
(variable)


Based on borrowing
£1,000
over 12 months.


Credit limits will vary based on your individual circumstances.


Help & guidance

Whether you're trying to choose your first credit card provider or want help as an existing customer you'll find everything you need here.

Help & guidance

Common enquiries

Important credit card information

Find out more about your borrowing options

How to complain about Payment Protection Insurance


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 under registration number 169628.

We subscribe to The Lending Code.