Halifax Credit Card.

    Exclusively available online: a balance transfer offer, with a 1.5% fee on each balance transfer made in the first 90 days from when we open your account (3% fee applies on each balance transfer made after the first 90 days).

    Credit available subject to status, to UK residents aged 18 or over. You can transfer balances to us (£100 minimum) from most credit cards and some store cards, excluding other Halifax products. All introductory rates apply from when we open your account. You must pay at least the minimum payment by the due date each month and stay within your credit limit to keep promotional rates.

    • 0% up to the first 24 months on balance transfers made in the first 90 days.
    • Minimum £100 balance transfer. At least 51% of customers will get our best offer of 0% on balance transfers for the first 24 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 21 or 18 months and a representative rate of 21.9% APR (variable), or 0% on balance transfers for the first 15 months and a representative rate of 25.9% APR (variable).
    • 1.5% fee applies on each balance transfer made in the first 90 days.
      3% fee applies on each balance transfer made after the first 90 days.
    • 0% for the first 3 months on purchases.

    Representative example

    Representative
    18.9% APR
    (variable).
    Purchase rate
    18.95% p.a
    (variable).
    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.

    It takes just minutes to apply

    Apply now

    Image of a Halifax Credit Card


    All introductory rates apply from when we open your account. You must pay at least the minimum payment by the due date each month and stay within your credit limit to keep promotional rates.

    About your card

    Here are some of the extra benefits you get with your Halifax Credit Card

    • Cover against online fraud and your transactions are protected by Halifax Secure when you shop online with participating retailers.
    • Manage your card online using Online Banking and Mobile Banking.
    • Make Faster Payments to your card within a matter of hours, giving you more flexibility and control over your finances.
    • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide.

    What is a representative example?

    The representative example is an illustration of the rate that the majority of customers will get. If a credit card is described as having a particular representative APR, then at least 51% of the applicants accepted will get that rate. Other customers may get a different rate based on their individual circumstances.

    We use an example borrowing amount of £1,200 to calculate our representative example but in reality this figure could be different. This figure is not the credit limit you will be receiving and is for illustrative purposes only.

    The purchase rate is the rate of interest you'll be charged on purchases made with your credit card after any introductory offer has ended. A variable rate means that your interest rate may change over time.


    What does APR mean?

    Annual Percentage Rate (APR) tells you how much your borrowing will cost over an average year. It takes into account interest charged as well as any additional fees you'll have to pay (such as any annual fees). This figure is given to allow you to make an easy and fair comparison between different credit cards.


    How do we decide the APR you get?

    We treat all applications on an individual basis. So the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history.

    At least 51% of customers will get a representative rate of 18.9% APR (variable). Others will get a representative rate of 21.9% APR (variable) or 25.9% APR (variable).


    It takes just minutes to apply.

    Apply now

    Summary box

    It's always good to know the exact details so here is a clear summary of all the key credit card features. The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

    SUMMARY BOX - Halifax Balance Transfer Credit Card
    APR Representative 18.9% APR (variable)
    Interest rates   Introductory rate Monthly rate Annual rate
    Purchases 0% p.a. for Purchases. This rate is fixed for 3 months from when we open your account. 1.456% or 1.667% or 1.941% 18.95% or 21.95% or 25.95%
    Cash Withdrawals not applicable 1.456% or 1.667% or 1.941% 18.95% or 21.95% or 25.95%
    Balance Transfers 0% p.a. on Balance Transfers you make in the first 90 days after we open your account. This rate is fixed for either 24, 21, 18 or 15 months from when we open your account, depending on individual circumstances. 1.456% or 1.667% or 1.941% 18.95% or 21.95% or 25.95%
    We may apply the standard interest rate during any special promotion period to any transaction if in any month you do not make at least your minimum payment by the minimum payment date or if you exceed your credit limit at any time.
    Interest-free period
    • Maximum 56 days for purchases if you pay the full balance shown on your previous and current statement on time.
    • No interest-free period on balance transfers or cash withdrawals.
    Interest charging information You will not pay interest on new purchases if you pay the full balance shown on your previous and current statement on time. Otherwise, the period over which interest is charged is as follows:
      From Until
    Purchases date debited to your account paid in full
    Cash Withdrawals date debited to your account paid in full
    Balance Transfers date debited to your account paid in full
    Allocation of payments If you don't pay your balance in full we will allocate payments to balances with the highest interest rate before balances with lower interest rates. See section 6.1 of the terms and conditions for full details
    Minimum repayment An amount equal to the total of interest, default charges and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
    Credit limit Minimum credit limit £500. Your cash limit is 50% of your actual limit.
    Maximum credit limit Subject to status.
    Fees No annual fee.
    Charges Cash withdrawals 3% or minimum £3.
    Balance Transfers 1.50% fee applies on Balance Transfer you make in the first 90 days from when we open your account. 3% fee applies on Balance Transfer you make after 90 days from when we open your account.
    Copy statements £6 for copies of non-current statements.
    Copies of transactions £5 for each copy of a record of a transaction.
    Foreign Usage Payment scheme exhange rate Indicative rates can be found at MasterCard Currency Conversion Tool.
    One or more of the following may apply:
         Non-Sterling Transaction fee 2.95% of the amount of the sterling transaction value.
         Cash fee 3% minimum £3
    Default charges Late Payment charge £12
    Returned Payment charge £12
    Overlimit charge £12

    These details are correct on 24/03/2014


    Cost of Borrowing

    Credit cards are designed to be a flexible form of borrowing. Paying the minimum amount every so often can help you manage your money more effectively, although we would not recommend that you make minimum payments for a long period of time once your promotional offers have ended. Once your account is open, you can set up a Direct Debit for any fixed amount over the minimum payment by calling 08457 28 38 48. Lines are open 24 hours a day, 7 days a week.

    For longer term borrowing it may be more appropriate to choose a loan from us. If you would like to find out more about this you can call Halifax Personal Loans on 0845 600 46 11, (Lines are open 8am to 10pm, Monday to Friday, 9am to 6pm on Saturdays and 9:30am to 5:30pm on Sundays) or visit http://www.halifax.co.uk/loans or call into a Halifax branch, where our staff will be happy to help.

    The following example highlights the difference between only paying the minimum and paying a fixed amount:

    Illustrative example For a £1,000 purchase on the Halifax 24 Month Balance Transfer Credit Card 
    Monthly Payment If you pay the minimum payment each month If you pay £50 each month
    How much interest will you be charged in the first year? £121.86 £94.45
    How much interest will you be charged in the second year? £145.97 £47.64
    How long would it take to clear the balance? 18 years 2 months 2 years 0 months


    The above example assumes the following:

    • The transaction takes place on 1 January and you make no further transactions.
    • You always make the payment each month on the 15th.
    • Your statement is produced on the 1st of each month.
    • You are on the best rate available.

    Halifax is a responsible lender and we only want you to borrow what you can afford and in a way that is best for you. If you'd like to talk to us about the choices you've made or would like advice, we will be happy to refer you to a member of staff who will be able to help you. They will also be able to help you if you're experiencing financial difficulties.


    It takes just minutes to apply.

    Apply now


    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.