Cashback credit cards

With a cashback credit card, you’ll earn something back on card purchases – usually a percentage of every eligible pound spent.

The new Halifax Cashback credit card

For your day-to-day card purchases. With added cashback.

Earn 0.25% cashback on your first £4,000 of purchases per calendar year.
Earn 0.5% cashback on further purchases once you’ve made over £4,000 of purchases per calendar year.
No cap on the amount of cashback you can earn.
Earn £20 cashback if you make card purchases of £1,000 within the first 90 days of account opening. Offer conditions apply.

Representative 19.9% APR variable.

Credit limits and interest rates are subject to an assessment of your personal circumstances.

Useful to know

All cashback earned will show on your monthly statements, making it easy to keep track.
Cashback will be paid automatically to the credit card account every January. This will reduce your balance, but won’t count towards your minimum payment.
We will deduct cashback on purchase refunds, credit adjustments or fraudulent transactions, for the month in which the refund or adjustment was made, at the rate you currently earn cashback. If this results in a negative cashback amount on your statement, we won’t take it from your account.

Your standard interest rates will be linked to the Bank of England Base Rate. This means they will change automatically in line with changes to the Base Rate, but any promotional rates and offers you have will not. For more information visit www.halifax.co.uk/base-rate-information. As our standard interest rates are variable it means we can also change them for other reasons in the future if we need to. You can find the standard rates in the Summary Box.

For a quick run through, watch our short video.

The Halifax cashback credit card. Watch our short video.

Read video transcript expandable section

Introducing the Halifax Cashback Credit Card.

It's the easy way to earn cashback on your everyday card purchases.

For that takeout coffee, supermarket shop or something special, use our cashback credit card and you'll earn cashback on your card purchases – big or small.

There's no annual fee and you could earn 0.25% cashback on your first £4,000 of purchases per calendar year. Then 0.5% on further purchases once you've made over £4,000 per calendar year.

There's no limit on the amount of cashback you can earn... and you can keep track on our app or check your monthly statement. Your cashback's paid straight into your credit card account every January!

Don't forget to check out our cashback calculator to see how much you could earn. It's then easy to apply online.

Gemma is earning cashback.

Tamara is earning cashback.

You could too, with the Halifax Cashback Credit Card. For your day to day purchases. With added cashback.

Discover more at halifax.co.uk/cashbackcreditcard

How much cashback can I earn?

Give our handy cashback calculator a try.

Monthly amount

£

Yearly amount

£

How does the Halifax Cashback credit card work?

You could earn cashback on everyday purchases, like your morning coffee, weekly shop, fuel or meals out, as well as larger purchases you make once in a while. Contactless and online purchases also count.

You won't earn cashback on

Balance or money transfers.
Cash withdrawals and transfers.
Gambling transactions - e.g. casinos, betting outlets or bookmakers.
Account interest, fees, or charges.
Payments to current, savings, share-trading, spread betting, gambling, or any similar accounts.
Payment protection transactions.

Important information

You’ll pay interest on your credit card balance, unless you have an introductory rate or clear the full amount every month, so try and repay what you owe as soon as you can.
Cashback is calculated on each purchase, rounding down to 2 decimal places after the penny.
We will deduct cashback on purchase refunds, credit adjustments or fraudulent transactions, for the month in which the refund or adjustment was made, at the rate you currently earn cashback. If this results in a negative cashback amount on your statement, we won’t take it from your account.
Terms and conditions apply. If we reasonably suspect fraud, abuse or breach of these terms and conditions, we can stop you and any additional cardholder earning or receiving cashback.
If your account is closed, cashback earned before closure will be credited to your account.

Offer conditions expandable section
Earn £20 cashback if you spend £1,000 within 90 days of account opening and adhere to the below conditions:

You must make £1,000 of purchases within 90 days of account opening to qualify for the cashback offer.

You will lose any promotional offers if you do not make your minimum payment on time, or you go over your credit limit.

The £20 cashback offer is only payable once per credit card account and will be added to your cashback balance within 12 days of your promotional offer expiry date, as long as the account is still open. The £20 cashback will appear within the cashback balance on your monthly statement. Cashback earnt will be applied to your credit card account in January every year.

Any purchase refunds, credit adjustments or fraudulent transactions will be deducted from your total spend for the purposes of determining whether you have met the required spend value for the above promotional offer.

Earn an additional 0.25% cashback once you’ve made over £4,000 of purchases in a calendar year, providing you adhere to the below conditions:

Earn an additional 0.25% cashback (making your cashback earn 0.5% cashback) on further purchases once you have made over £4,000 of purchases per calendar year.

We calculate cashback on each purchase, rounding down to 2 decimal places after the penny. We add up all the cashback you earn and show the running total on your monthly statement. Cashback earnt will be applied to your credit card account in January every year. You don’t earn cashback on payment protection transactions (if this applies).

You will lose any promotional offers if you do not make your minimum payment on time, or you go over your credit limit.

Any Purchase refunds, credit adjustments or fraudulent transactions will be deducted from your total spend for the purposes of determining the rate at which you earn cashback. If your total spend falls below £4,000, you will revert to earning 0.25% cashback.

Draft credit card account terms and conditions (PDF, 992KB)

Full terms and conditions, specific to you, will be issued once you’ve been accepted for a credit card.

Standard account features

Manage your account online expandable section

Using your computer, tablet or phone, you can check balances, recent transactions and statements, make payments, request transfers and more.
Complete fraud protection expandable section

You won’t be charged for transactions you didn’t authorise, as long as you tell us right away when you spot something odd, or lose your card.
Lots of payment options expandable section

You can make your monthly payments in a number of ways, including bank transfer, debit card and regular Direct Debit payments.
UK call centres expandable section

Our UK based contact centres are just a phone call away, with essential services available 24 hours a day, 7 days a week.
Contactless cards expandable section

Make small payments securely and quickly, wherever you see the contactless symbol. You can also add your card details to a compatible mobile device, ready to use online and at checkouts.
Paperless statements expandable section

Monthly statements will be delivered online, instead of by post. We’ll let you know by email when a new statement is ready to view online.

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.