Go contactless

Contactless provides you with a fast, safe and secure way to pay without needing your pin. To go contactless either order a replacement card through Online Banking or call us on 0345 944 4555 (Mon-Sun, 24 hours).

Take a look at our contactless section for more information.

Safe and sound

Your credit card provides you with protection for your purchases. If you've used your card to buy goods or services and you don’t think they’re as they should be, you may be able to claim a refund through our disputes process or make a claim under Section 75 of the Consumer Credit Act.

Earn up to 15% cashback

Cashback Extras is available to Halifax credit card customers who have a current account with us and are registered for Online Banking.

Find out more

Merchant offers and cashback amounts can vary.

Already have a Halifax Credit Card?

You may be eligible to apply for a second credit card* or to swap your existing card with us.

Apply for a Second card

Swap your card

*Second Cards excludes Student Credit Card customers, conditions apply.

Personalise your pin

Change or unlock your credit card PIN at any UK cash machine that displays the Link symbol.

If you've forgotten your PIN, you can request a PIN reminder which will be sent through the post.

Request PIN reminder

Using your credit card

Are you planning to go abroad soon? Don't forget to tell us. We always look out for unusual activity on your credit cards, so let us know your travel plans and we'll expect to see international spending on your account.

It only takes a few minutes to add your travel details, and will help make more of your card transactions hassle free while you're away.

If you experience any difficulty using your credit card, call us on +44 1733 573 189 (Mon-Sun, 24 hours).

You can do this by selecting ‘Your profile’ from the toolbar and choosing ‘Set up and manage travel flag’.

Sign in to Online Banking
Or find out how to register for Online Banking.

Alternatively call us on 0345 944 4555 (Mon-Sun, 24 hours) or visit your local branch.

Remember to ensure your contact numbers are up to date. You can do this either online over the phone or in branch.

See more information about using your cards abroad.

Manage your credit card online and you'll have access to a range of online card services:

  • View your last statement and balance
  • View any recent transactions
  • Pay your monthly bills online if you have a bank account with us
  • Balance transfers from most credit and some store cards, excluding other Halifax products.

To make use of these services, you'll need to register for our online service. If you’re already registered, your account will be available to view on your account homepage.

If you're an online user, you can transfer a balance online. From 'My accounts' select the 'Balance transfer' button next to your credit card account and follow the online instructions.

When you log in, you'll be able to see any recently requested balance transfers under ‘pending transactions’. These can be cancelled only while the request shows as pending in online banking.

Sign in now Register for our online service

Or call us on 0345 944 4555, give us the amount, account number and card issuer, and we'll do the rest.

What’s next? - Once we've carried out the necessary checks, we'll make arrangements with your other card provider(s). After we've approved your request, the money will normally arrive by the next working day. We will only transfer balances within your credit limit, so please check your available credit before transferring a balance and remember to include the amount of any balance transfer fee.

To close your account please call us on 0345 944 4555 (Mon-Sun, 24 hours) or write to Halifax, part of Lloyds Banking Group, at:

Lloyds Banking Group PLC
Pitreavie Credit Card Operations

If you've forgotten your PIN, you can request a PIN reminder which will be sent through the post. Just select one of the following options.

  • Sign into Online Banking and use our replacement cards and PINs service by selecting it from Your account tools
  • Use our App and select the account action button (the 3 dotted icon) for your chosen account
  • Call us on 0345 944 4555 (Mon-Sun, 24 hours).

Please note that for security purposes, we cannot provide your PIN details over the phone. You’ll receive your reminder by post in 3-5 working days.


You can make payments via:

  • Direct Debit - This can be for a fixed amount or percentage, the minimum amount or the full outstanding balance. You’ll need to provide us with your bank sort code and account number. Call us on 0345 944 4555 (Lines open - Mon-Sun, 24 hours a day) to set up over the phone or request a mandate or, if you’re registered for Online Banking, sign in and select the 'More Actions' button on your credit card account from your homepage.
  • Online - If you have a Halifax bank account you can make a direct payment to your credit card through Online Banking. This will normally be credited to your account within 2 hours.
  • Telephone Banking - if you have a Halifax bank account you can pay over the phone by calling 0345 720 3040. Your payment is normally credited to your account within 2 hours.
  • Standing Order - To set up a standing order please contact the bank where your current account is held. You need to provide your bank with the following information:
    Bank Sort Code 77-29-00
    Bank Account no. 00000000
    Your payment reference is your 16 digit card number.
  • By post - Complete the payment slip attached to the bottom of your statement and send a cheque in the envelope provided with your monthly statement. Please make your cheque payable to the cardholder (the person whose name appears on the statement) and your 16 digit card number. Please allow 7 working days for your payment to reach us.
  • In branch - If you receive paper statements, complete the payment slip attached to the bottom of your statement and bring it into your local branch with cash or a cheque. You can make a payment up until the day your payment is due however we recommend that you allow extra time.
  • From another bank - you will need to provide these details to your bank:
    Bank Sort Code 77-29-00
    Bank Account no. 00000000
    Your payment reference is your 16 digit card number.
  • International Payments - When making payment from an overseas bank account you may be asked to give our IBAN and BIC/SWIFT code:
    IBAN - GB38LOYD30675699067997
  • However you choose to pay, you need to check that your payment will reach your account by the payment due date. Find out more about how payments are processed for Standing Orders, Direct Debits, Cheques and Future Dated Payments.

    Important information

    Do not send cash in the post
    Please remember to allow extra time for your payment to reach us over bank holiday periods
    If you require any other information regarding payments please contact our customer service team on 0345 944 4555 (Mon-Sun, 24 hours).

    We also accept payment using the Faster Payments Service (FPS).

If you want to change the date your monthly credit card payment is due, just call 0345 944 4555 (Mon-Sun, 24 hours) and we'll change the date for you.

Managing your credit card

Online statements are available for credit cards via Online Banking, making it much easier to manage your account. You will receive a PDF statement each month which cuts the clutter and statements are conveniently stored in one place.

We will send you an email each month when your statement is available to be viewed online - simply sign in to view your statement.

If you choose to receive online statements, you will no longer receive paper statements for your credit card account by post. But with account tools available within Online Banking, you are in control and can choose to start/stop receiving paper statements any time you wish to.

You can share your credit card and its credit limit with a spouse, partner, immediate family member or a friend aged 18 or over (subject to eligibility and application). You can add up to three additional cardholders, free, to all our credit cards apart from the Student Credit Card.

To add a new cardholder or to remove/amend an existing cardholder (amendments apply to name and nationality only), please contact us on 0345 944 4555 (Mon-Sun, 24 hours).
Please note that additional cardholders will not be able to view the credit card online.

As principal cardholder, you are responsible for all transactions made on any additional cards. If the additional card is withdrawn, you must retrieve and destroy the card, during which time you are still liable for all transactions made using that card.

If for any reason you cannot retrieve the card, please call the card services team on the number shown on the reverse of your card.

In order to help us to make a sound decision we require at least six months payment history on your account before you can request an increase of your credit limit. You can decrease your credit limit at any time after your card has been activated.
If you wish to apply to change your credit limit, please call 0345 944 4555 (Monday to Friday 08:00 to 22:00 Saturday & Sunday 08:00 to 18:00).

From time to time you may be offered a credit limit increase. If this happens, you will be advised in writing and have 30 days notice before any increase will take effect. However, should you not wish to benefit from the increase, or want to decrease your credit limit, simply call 0345 944 4555 (Monday to Friday 08:00 to 22:00 Saturday & Sunday 08:00 to 18:00).

To update your address call our customer services department on 0345 944 4555 (Mon-Sun, 24 hours). You will need to have your credit card to hand when you call to change your address over the telephone.

You can also change your address by completing the Change of address form and posting it back to us.

If you’re an online user, a link to this form is also available online by selecting ‘Change details’ from the ‘Your profile’ tab on the toolbar.

Sign in now or Register for our online service

To change the name on your credit card account, you’ll need to visit your local branch, taking with you your original name-change documentation (Marriage Certificate, Deed Poll, etc).

Lost or stolen credit card?

If you're registered for Online Banking you can report your lost or stolen card through our online form.

Alternatively you can call us on 0800 0 15 15 15 (Lines open 24 hours a day 7 days a week). If you're calling from abroad you can call us on +44 (0) 113 242 8196.

General card enquiries

0345 944 4555 (Mon-Sun, 24 hours).

Read our guide to:

Telephone Banking for credit cards

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.
We subscribe to The Lending Code.
Credit facilities available subject to status to UK residents aged 18 or over.