Low Fee 0% Balance Transfer.

    Your credit card offer

    0% interest for up to 24 months on balance transfers made in the first 90 days.

    • You can transfer your balance from most credit cards and store cards, except Halifax cards.
    • Cards must display a Visa, MasterCard or Amex logo.
    • Each transfer must be at least £100.

    1.5% effective fee (after refund) on each balance transfer made in the first 90 days.

    • Initially we charge 3% for each balance you transfer in the first 90 days but we'll give you back 1.5% so overall you’ll only pay a 1.5% fee.
    • You'll receive the fee refund within 90 days of completing the balance transfer.
    • You’ll pay a 3% fee for balance transfers made after 90 days.

    0% interest for the first 12 months on things you buy.

    • This offer applies to any card purchases made within 12 months of opening your account.
    • You’ll pay a standard rate of 19.95% p.a. (variable) on any card purchases made after 12 months unless you pay them off by the due date each month.

    To keep this promotional rate, you must stay within your credit limit and pay at least the minimum payment on time each month.

    Get on board

    Apply now online using our simple, safe and speedy application and you'll have a decision in about 5 minutes.

    Apply now 

    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.

    Ready to apply

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

    Apply now



    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 no. 169628.