SWAPPING YOUR EXISTING HALIFAX CREDIT CARD.

As an existing Halifax credit card customer you can apply to swap your credit card.

Swapping your Halifax credit card could allow you to take advantage of a new card with different features and benefits to suit your current need and lifestyle including introductory offers and rewards.

Swapping your card also means you only have one card in your wallet, as your current card will be closed and a new credit card issued.


How could swapping your credit card help you?

For example, you have an existing credit card that doesn’t work for you anymore. You may have taken out a credit card to consolidate your card debt and the balance has been paid off. Now you’d like to put day-to-day spending on a card that doesn’t charge you any usage fees.

Swapping your card means you can have a new credit card that meets your current needs.

If you switch cards you may lose any promotional rates you have at the moment and your new card will have its own terms and conditions.

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


Want to keep your existing credit card?

Have a second credit card to give you the flexibility you need.

How to apply to swap your credit card:

1. Check you’re eligible to apply.


You can apply to swap your credit card, subject to the following conditions:

  • You are not looking to switch to our Student credit card.
  • You are not looking to switch to the same card as your existing card, for example;
    - Clarity to a new Clarity credit card
    - Low rate credit card to a new promotional interest rate card
    - Any card with a promotional interest rate on balance transfers or purchases to a new promotional interest rate credit card.
  • You can’t apply to swap your credit card within 60 days of having opened your first credit card with Halifax.
  • Your application is subject to a full credit and affordability check.

2. How to apply.


  • Sign in to Online Banking to view our credit card range and apply to swap your credit card
  • Call us on 0345 300 2294 (Lines are open Monday to Friday 9am-5pm)

Remember not all products online will be available over the phone.


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.