Halifax Flexicard Credit Card.

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

    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.

    • Instalment plans over 2 to 36 months
      Spread the cost of big purchases from your eligible balance by setting up instalment plans, then pay them off in regular monthly payments.
    • Simple online repayment planner
      Use it to work out your repayments and how long it will take to pay back your instalment plan(s).
    • A low representative rate of 5.9% APR (variable)
      At least 51% of customers will get a representative rate of 5.9% APR (variable). Others will get a rate of either 8.9% APR (variable) or 12.9% APR variable.
    • 0% fee on balance transfers made within the first 90 days
      3% fee applies on each balance transfer made after the first 90 days. Note that balance transfers cannot be put into an instalment plan.

    Representative example

    A variable representative of
    5.9% APR
    A variable annual purchase rate of
    5.94% p.a
    Based on borrowing
    £1,200 over 12 months.
    Credit limits and interest rates vary based on your individual circumstances.

    We should be able to give you a decision within 5 minutes.

    Apply now


    Already have a Halifax Credit Card?
    You may be eligible to apply for a second credit card with us. Excludes Student Credit Card customers, conditions apply.

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    Will I be accepted?

    See how likely you are to be accepted for a Halifax Bank credit card. Your credit rating will not be affected and there’s no obligation to apply for a card afterwards.

    Check your eligibility


    Additional information

    Halifax FlexiCard FAQs

    Questions and answers about the Halifax FlexiCard

    FlexiCards FAQs


    Make the most of your Halifax FlexiCard

    Read our useful article about making the most of your Halifax FlexiCard.

    Read the article

    About your card

    Here are some of the key features you get with your Halifax FlexiCard Credit Card

    • Take control of your spending – spread the cost of big purchases with the Halifax FlexiCard’s instalment plan feature.
    • Manage your card using Online Banking and Mobile Banking app (managing your Halifax FlexiCard in our Mobile Banking app will be available soon).
    • Cover against online fraud and your transactions are protected by Halifax Secure when you shop online with participating retailers.
    • Make Faster Payments to your card within a matter of hours, giving you more flexibility and control over your finances.
    • Accepted wherever you see the Mastercard® sign at over 43 million locations worldwide.

    Things to keep in mind

    • Instalment plans can only be set up and managed online.
    • The minimum amount you can set up as an instalment plan is £100.
    • Your eligible balance is the balance you can put into an instalment plan.
    • You can’t set up an instalment plan to pay off a balance transfer.
    • Your Instalment Plan Payment is in addition to your minimum payment. Please consider whether you can afford both before setting up an instalment plan.
    • If you don’t make your Instalment Plan Payment in full each month, any plans that remain unpaid will be cancelled and the balance moved back to your Main Balance. You will not be charged a default fee as long as you make at least your minimum payment.
    • If you pay by Direct Debit and cancel an instalment plan, it will always take the amount shown on your statement, unless you cancel your direct debit too.
    • Please remember you should always make at least the minimum payment shown on your statement each month.
    • You can cancel an instalment plan online after it appears on your statement.

    What is a representative example?

    The representative example is an illustration of the rate that the majority of customers will get. If a credit card is described as having a particular representative APR, then at least 51% of the applicants accepted will get that rate. Other customers may get a different rate based on their individual circumstances.

    We use an example borrowing amount of £1,200 to calculate our representative example but in reality this figure could be different. This figure is not the credit limit you will be receiving and is for illustrative purposes only.

    The purchase rate is the rate of interest you'll be charged on purchases made with your credit card after any introductory offer has ended. A variable rate means that your interest rate may change over time.


    What does APR mean?

    Annual Percentage Rate (APR) tells you how much your borrowing will cost over an average year. It takes into account interest charged as well as any additional fees you'll have to pay (such as any annual fees). This figure is given to allow you to make an easy and fair comparison between different credit cards.


    How do we decide the APR you get?

    We treat all applications on an individual basis. So the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history.

    At least 51% of customers will get a representative rate of 5.9% APR (variable). Others will get a rate of 8.9% APR (variable) or 12.9% APR (variable).


    Other borrowing options

    Before you apply for a Halifax credit card it's worth considering other ways to borrow, as well as any savings you may have, as these could be better options for you.

    If you’re an existing Halifax customer with a Halifax bank account held for at least one month (excluding Easycash), mortgage, credit card or loan, you could apply for a Halifax loan. A decision to offer you a loan is based on your individual circumstances.

    Compare borrowing options

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    We should be able to give you a decision within 5 minutes.

    Apply now

    Summary box

    It’s always good to know the exact details so here is a clear summary of all the key credit card features. The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

    SUMMARY BOX - Halifax FlexiCard Credit Card
    APR Representative 5.9% APR (variable)
    Rates from 5.9% APR (variable) to 12.9% APR (variable), depending on individual circumstances.
    Interest rates   Introductory promotional rates Standard Monthly Rate (variable) - simple % Standard Annual Effective Rate (variable)%
    Purchases Not applicable 0.482% or 0.716% or 1.019% 5.94% or 8.94% or 12.94%
    Cash Transactions Not applicable 0.482% or 0.716% or 1.019% 5.94% or 8.94% or 12.94%
    Balance Transfers Not applicable 0.482% or 0.716% or 1.019% 5.94% or 8.94% or 12.94%
    Instalment Plans Not applicable 0.482% or 0.716% or 1.019% 5.94% or 8.94% or 12.94%
    Default charges - the simple annual rate is 5.784% or 8.592% or 12.228%
    Interest-free period
    • Maximum 56 days for purchases. If you pay the full Main Balance and any Instalment Plan Payment shown on that statement by the payment date (provided you have also paid the full Main Balance and any Instalment Plan Payment on the previous statement by the payment date).
    • No interest-free period on cash transactions or any balances in Instalment Plans.
    • There is no interest free period for balance transfers or money transfers (if available) where these are outside of any promotional offers.
    Interest charging information We calculate interest daily based on the total amount you owe. We add together all the daily interest amounts in each statement period and add the total to your balance on your statement date.
    From Until
    Purchases Date debited to your account Paid in full
    Cash Transactions Date debited to your account Paid in full
    Balance Transfers Date debited to your account Paid in full
    Instalment Plans Date debited to your account Paid in full
    We do not charge interest on default charges for the first 28 days after the day we give you notice (usually in your statement) that these charges are payable. After that we charge simple interest, so we will not charge interest on interest
    Allocation of payments

    If you do not have any Instalment Plans set up, we use your payments to clear any overdue amounts before we apply them to your latest Minimum Payment.

    We use any payments you make to pay off the balance shown on your statement starting with those balances on which we charge the highest rate of interest, and so on down to the lowest rate of interest. If the payment is not enough to pay off all balances at a particular interest rate, we will pay off balances charged at that interest rate in the following order: Cash Withdrawals, Purchases, Balance Transfers and default charges (plus any interest or charges incurred as a result of these balances).

    If you have any Instalment Plans set up, we treat your payments slightly differently. We still use your payments to clear any overdue amounts before we clear your latest Minimum Payment. We reduce the amount you owe in the following order:
    (a) Firstly, an amount equal to the Minimum Payment on the Main Balance will be applied to reduce the Main Balance in the order set out above;
    (b) Then, an amount equal to the Instalment Plan Payment will be applied to the Instalment Plans to pay the monthly payment for each Instalment Plan you have set up. If there is insufficient to cover all Instalment Plans, we will apply your payment in the order set out below;
    (c) Anything left of your payment is then applied:
    (i) to the Main Balance in the order set out in above;
    (ii) then to the Instalment Plans in the order set out below.

    Where we allocate payment to balances in Instalment Plans, we will allocate your payment to Instalment Plans starting with those on which we charge the highest rate of interest, and so on down to the lowest rate of interest. If Instalment Plans are on the same rate, we allocate your payment to the oldest Instalment Plans first down to the most recently set up plans.

    If you pay more than the balance shown on your statement, we will use any remaining payment to pay off Transactions that have not yet appeared on your statement in the same order as those that do appear on your statement.

    Minimum repayment

    The minimum payment we ask for is charged on a monthly basis and will be the higher of £5 or the total of:

    • any interest charged; plus
    • any default charges payable; plus
    • 1% of the total balance you owe (including interest and charges), as shown in your statement.

    If you owe less than £5, you must pay the full amount you owe.

    Credit limit Minimum credit limit
    Maximum credit limit
    Subject to status.
    Subject to status.
    Your credit limit is the total amount you can borrow under this agreement. We set this limit and tell you what it is in writing soon after opening your account. It is important that you stay within your credit limit. All Transactions on your account will reduce your available credit and all repayments you make will free up any credit for you to borrow again. Please see your credit card agreement for any limitations that apply to certain transactions
    Annual fee No annual fee.
    Fees Cash transactions (any currency) 3% or minimum £3.
    Introductory balance transfer fee (if available) 0% of the amount of each Balance Transfer you make within the first 90 days of opening your account.
    Non-introductory balance transfer fee (if available) 3% of transfer (min £3).
    Statement copy fee £5
    Copies of transactions £5 for each copy of a record of a transaction
    Non-sterling transactions (foreign usage) Payment scheme exchange rate Indicative rates can be found at MasterCard Currency Conversion Tool.
    One or more of the following may apply:
        Non-sterling transaction fee 2.95% of the amount of the sterling transaction value.
         Cash transaction fee 3% minimum £3
    Default charges Late Payment charge £12
    Returned Payment charge £12
    Overlimit charge £12

    Cost of Borrowing

    Credit cards are designed to be a flexible form of borrowing. Paying the minimum amount every so often can help you manage your money more effectively, although we would not recommend that you make minimum payments for a long period of time. Once your account is open, you can set up a Direct Debit for any fixed amount over the minimum payment by calling 03457 28 38 48. Lines are open 24 hours a day, 7 days a week.

    The following example highlights the difference between only paying the minimum and paying a fixed amount.

    The example assumes the following:

    • The transaction takes place on the 1st of the month and you make no further transactions.
    • Your statement is produced on the 1st of each month.
    • You always make payment on the 15th of each month.
    • You are on the best rate available for this card.
    • You don’t set up any instalment plans.
    • The calculation does not include any introductory rate on purchases.
    Illustrative example for a £1,000 purchase based on 6.4% APR
    Monthly Payment If you pay the minimum payment each month If you pay £50 each month
    How much interest will you be charged in the 1st year? £55.12 £44.57
    How much interest will you be charged in the 2nd year? £48.87 £12.12
    How long would it take to clear the balance? 15 years 11 months 1 year 11 months

    Setting up instalment plans means that you can use the simple online repayment planner to decide how much you’d like to put in an instalment plan and over how many months you want to pay it back. You will also see how much interest you will pay. Paying more that the minimum payment each month will mean you pay off the amount you owe quicker and therefore pay less interest.

    Halifax is a responsible lender and we only want you to borrow what you can afford and in a way that is best for you. If you'd like to talk to us about the choices you've made or would like advice, we will be happy to refer you to a member of staff who will be able to help you. They will also be able to help you if you're experiencing financial difficulties.


    This offer is exclusively available online only and it takes just minutes to apply.

    Apply now


    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.


    Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

    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 no. 169628.