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.
  • 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

Will I be accepted?

See if you’re likely to be approved for a Halifax Cashback credit card. Your credit score won’t be affected and there’s no obligation to apply afterwards.

Check your eligibility

How much cashback can I earn?

Give our handy cashback calculator a try.

Day-to-day expenses

How much are your regular expenses, including things like your weekly shop and household bills?

£
Yearly Spend

One-off purchases

You could also earn cashback on larger purchases, like holidays, kitchen appliances or a new TV.

£

You could earn

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This is just an estimate based on details you’ve provided, excluding any introductory cashback offers.

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

    1. You must make £1,000 of purchases within 90 days of account opening to qualify for the cashback offer. 
    2. You will lose any promotional offers if you do not make your minimum payment on time, or you go over your credit limit.
    3. 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.
    4. 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:

    1. 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.
    2. 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).
    3. You will lose any promotional offers if you do not make your minimum payment on time, or you go over your credit limit.
    4. 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.

Will I be accepted?

See if you’re likely to be approved for a Halifax Cashback credit card. Your credit score won’t be affected and there’s no obligation to apply afterwards.

Check your eligibility

Standard account features

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.

Merchant offers and cashback amounts vary.

More on Cashback Extras

Other types of credit card

Halifax offer a range of credit cards, whether you’re looking to transfer balances, manage everyday spending, spread the cost of big-ticket items, or get more out of travel.

Balance transfer credit cards

Everyday spending credit cards

Large purchase credit cards

Travel credit cards

Other borrowing options

Manage your Halifax credit card

If you’ve already got a credit card with us, these guides should help you to look after it.

Activate your new card

Report your card lost or stolen

Applying for a second credit card

Ways to pay your credit card

More existing customer topics

Learn more about credit cards

Whether you’re applying for a new Halifax credit card, or you’re an existing customer, our guides should help you to understand and get the most out of your credit card.

How a credit card works

What are credit card interest rates?

What is a credit score?

Tips for managing your card

More help and guidance topics

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

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.