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Cashback credit card
With a Halifax cashback credit card, you’ll earn something back on day-to-day card purchases – usually a percentage of every eligible pound spent.
Credit is available subject to status, to UK residents aged 18 and over.
The Halifax brand is changing to Lloyds
Learn about the brand change and how it affects Halifax credit cards.
Bank on Lloyds for your next credit card
Halifax and Lloyds are part of the same family of brands. You’ll find a wide range of credit cards with the same great service from the people you know and trust.
If you still use the Halifax app you can continue to apply for this Halifax credit card.
The Halifax Cashback Credit Card
For your day-to-day card purchases. With added cashback.
- 0.25% cashback on card purchases.
- No monthly account fee.
Representative 23.9% APR variable.
Credit limits and interest rates are subject to an assessment of your personal circumstances.
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 details visit our 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.
What do I need to know about the Halifax Cashback Credit Card
- Cashback is applied to your account every January.
- All cashback earned will show on your monthly statement.
- You’ll earn cashback on card purchases made by you or an additional card holder. You won’t earn it on anything else.
- Cashback won’t be treated as a payment. You must make at least your minimum monthly payment on time each month.
- Paying only the minimum monthly payment will take longer to repay and cost you more in interest.
- To continue to earn cashback, you must make your minimum payment on time each month and stay within your credit limit.
- A cashback card may not be suitable if you do not pay your balance off in full each month.
Important documents
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Draft credit card account terms and conditions (PDF, 379KB)
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: using your computer, tablet or phone, you can check balances, recent transactions and statements, make payments, request transfers and more.
- Complete fraud protection: 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: you can make your monthly payments in a number of ways, including bank transfer, debit card and regular Direct Debit payments.
- UK call centres: our UK based contact centres are just a phone call away. We’re here to help with essential services.
- Contactless cards: 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.
- Paper-free statements: 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.
If you're using the Halifax app
Check if you're eligible
If you're using the Lloyds app - head to Lloyds for your next credit card.
Cashback Extras
If you’ve also got a Halifax bank account, once you’re registered for Online Banking, you can access Cashback Extras, giving you opportunities to earn even more cashback.
With offers from many well-known retailers, including high street favourites, you could earn up to 15% on everyday purchases made with your Halifax credit and debit cards, and even on Direct Debits.
Retailer offers and cashback amounts vary.
Already have a credit card with Halifax?
Visit the customer hub to find out about flexible ways to help manage your credit card.
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