No Fee 0% Balance Transfer.


    Your credit card explained


    Your representative example

    Representative example

    A variable representative of

    A variable annual purchase rate of

    Based on borrowing

    19.9% APR

    19.95% p.a.

    £1,200 over 12 months.


    A variable representative of

    19.9% APR

    A variable annual purchase rate of

    19.95% p.a.

    Based on borrowing

    £1,200 over 12 months.

    This example is for illustrative purposes and serves as a guide only. Your actual credit limit and rate will vary based on your individual circumstances and may differ from the example shown.


    Useful to know before you apply

    • You must be aged 18 years or older and be a resident in the UK.
    • We will credit-check your application and may not be able to approve it.
    • We'll look at your individual circumstances to decide the details of what we can offer you.
    • At least 51% of successful applicants will get the best rates advertised on this page. Others will get 0% interest on balance transfers for the first 18 months, with a 3% balance transfer fee and 0% interest on purchases for the first 9 months, at a rate of 27.9% APR (variable).


    Halifax credit card image

    Ready to apply?

    It only takes 5 minutes to get a decision on your credit card application.


    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.

    Find out more


    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 number 169628.