Big buys or day-to-day shopping? FlexiCard can handle both, and its instalment plans feature can help you manage your repayments.

So how does the Halifax FlexiCard work?

It’s a bit different from other credit cards in that you can set up instalment plans online to help you spread the cost of big purchases over 2 to 36 regular monthly payments.

You’ll need a minimum of £100 in your eligible balance (which doesn’t include any balance transfers) to set up an instalment plan, which you then pay off each month. Our simple online repayment planner can help you work out your repayments and how long it will take to pay back your instalment plan.

You can have up to 10 plans on the go at any time. But remember, you’ll need to make sure you pay any instalment plan payments and the minimum payment for any balance that’s not in a plan each month, so make sure you factor both into your budget. Interest across all balances is charged at one simple, low rate. Easy.

Here are just a few things a FlexiCard could come in handy for.

Heading off on holiday

FlexiCard comes into its own when used to cover the big costs, like travel and accommodation. Use the simple online repayment planner to help you work out your monthly repayments and how long it will take to pay back each plan.

Moving house

There’s always something. Hidden costs and extra expenses usually only come to light once you’ve moved in. New curtains, replacement garden fence, boiler servicing... it’s hard to predict.

Put these costs on your FlexiCard, and then select how much of your eligible balance you want to put into an instalment plan.

Mid-sized buys

You thought it would last forever (or at least for another 6 months). But when your old washing machine finally breaks, it’s definitely an expense you can do without.

Set up an instalment plan. That way you’ll be treating the new washing machine, or boiler repairs as you would any household bill – paying a little every month.

Popping the question

It feels like the right time to ask, but first you need to buy a ring. And wouldn’t it be so much more convenient if you could spread the cost? After all, your partner will be wearing it for the rest of their life.

With an instalment plan, propose exactly when you want and pay for the ring in more manageable chunks.

Day-to-day spending

Had a busy month? Loads of birthday presents to buy? The kids have new hobbies? Busy diary? Lump all these costs together into an instalment plan, label it ‘September’ and pay it back over a time that suits you.

There’s no getting round it, some months simply are more expensive, but with FlexiCard, you don’t have to take the hit all in one go.

A few things to bear in mind:

If you’re planning to make use of a FlexiCard, there are a few things to think about before you set up any plans:

  • FlexiCard is available exclusively online – you can manage your plans using online banking or mobile banking.
  • If you don’t make your instalment plan payment each month, any unpaid plans will be cancelled and the remaining amount moved back to your main balance. You will not be charged a default fee as long as you make the minimum monthly 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.
  • You can cancel an instalment plan online after it appears on your statement.

Want to know more about how FlexiCard can help you take control of your spending? Take a look at the Halifax FlexiCard FAQs.

Representative example

A variable representative of
6.4% APR
A variable annual purchase rate of
6.45% p.a
Based on borrowing
£1,200 over 12 months.
Credit limits and interest rates vary based on your individual circumstances.

Before you apply for the Halifax FlexiCard 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. Read more about other borrowing options.

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