APPLYING FOR A SECOND CREDIT CARD.

As an existing Halifax credit card customer you can apply for a second credit card.

A second Halifax credit card could give you additional flexibility over your finances with the ability to keep balances separate by using a second card for a specific purchase, event or to consolidate existing credit card debt.

A second card may also give you the opportunity to take advantage of different credit card benefits such as introductory offers and rewards. You may also be able to redistribute your credit limit between your existing credit cards.


How could a Second card help you?

For example, you’re paying off a balance on your existing credit card but would like to put day-to-day spending on a second card that you can also use abroad without charge.

This could give you the flexibility to keep your current card and apply for a second card and benefit from both.

Representative APRs between 6.4% APR and 19.9% APR variable.


Only want one credit card?

Change your existing credit card to unlock different features and benefits to what you have now

How to apply for a second credit card:

1. Check you’re eligible to apply.


You can apply for a second Halifax Credit Card, subject to the following conditions:

  • Your existing card with Lloyds Banking Group isn't a Student Card.
  • You’re not applying within 60 days of having opened your first credit card with us.
  • You can only have a maximum of two credit cards with Halifax, and a maximum of five with Lloyds Banking Group (which also includes Bank of Scotland and Lloyds Bank).
  • Your application is subject to a full credit and affordability check.

2. Compare and apply online.


Compare our range of Halifax Credit Cards and apply online. Excludes customers holding or applying for a Student Card.

Please note: we do not accept balance transfers from other Halifax credit cards.

Compare and apply online


Other options available on your existing credit card:


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 number 169628.

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