GREAT NEWS, YOU'VE BEEN PRE-APPROVED FOR A NO FEE 0% BALANCE TRANSFER CARD

Please remember that:

This decision is only valid during this session. If you want to apply later, you should fill out the Eligibility Checker again before applying
You can’t have more than two credit cards with Halifax, or more than five in total with Lloyds Banking Group.
If you have applied in the last 30 days, you will not be able to submit another application for a Halifax credit card.

**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.

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Your representative example explained

What is a representative example?
This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.

What does purchase rate mean?
When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.

What is a credit limit?
If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.

What does APR mean?
APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.

Could my APR be different from the example?
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. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.

What is an annual fee?
This is a fee charged every 12 months as a condition of continuing to hold this credit card account. There will also be other costs attached to holding a credit card account, which are outlined in this account's Summary Box.

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 19.9% APR (variable)
Interest rates		Introductory promotional rates	Standard monthly rate (variable) simple %	Standard annual effective rate (variable) %
	Purchases	0% interest p.a. fixed for the first 6 months from either your account opening or the date of your account transfer.	1.527%	19.95%
	Cash transactions	Not available.	1.527%	19.95%
	Balance transfers	0% p.a. on balance transfers you make in the first 90 days fixed for 20 months from either your account opening or the date of your account transfer, on the transferred amount and the promotional fee.	1.527%	19.95%
	Money transfers	Not applicable.	1.527%	19.95%
	Default charges - the simple annual rate is 18.324% We will charge you £12 if you do not make at least your minimum payment to us by the payment due date requested on your statement. You will lose your promotional offers if this happens and the standard interest rates for the applicable transactions will apply.
Interest-free period	Maximum 56 days for purchases. No interest-free period on cash transactions. There is no interest free period for balance transfers or money transfers (if available) where these are outside promotional offers.
Interest charging information	We calculate interest daily based on the total amount you owe. We add together all the daily interest amounts in each statement period and add the total to your balance on your statement date. There are three exceptions to this rule: Annual fees: We do not charge interest on annual fees. Purchases: We do not charge interest on purchases made during your latest statement period if you pay off your full balance (including any balance transfers and money transfers) by the payment due date and you also paid your previous month's balance in full by the due date. Default charges: We do not charge interest on default charges for the first 28 days after the day we give you notice (usually in your statement) that these charges are payable. After that we charge simple interest, so we will not charge interest on interest.
Allocation of payments	We use your payments to clear any overdue amounts before we apply them to your latest minimum payment. We will reduce the amount you owe in the following order: any overdue amounts from previous statements; then the remaining balance on your statement; then any recent transactions not yet shown on your statement. We use your payments to pay off balances charged at the highest interest rate first and so on down to balances with the lowest interest rates. This means the more expensive balances are always paid off first. If there is more than one type of balance at the same interest rate, they are paid off in the following order: cash transactions, purchases, balance transfers and money transfers, and then default charges (plus any interest or charges incurred as a result of those balances). For each type of balance, your payments will pay off the oldest balance (and related fees, charges or insurance) first.
Minimum payment	The minimum payment we ask for is charged on a monthly basis and will be the higher of £5 or the total of: any interest charged; plus any default charges payable; plus 1% of the total balance you owe (including interest and charges), as shown in your statement. If you owe less than £5, you must pay the full amount you owe.
Credit limit	Minimum credit limit		Subject to status.
	Maximum credit limit		Subject to status.
	Your credit limit is the total amount you can borrow under the credit card agreement. We set this limit and tell you what it is in writing soon after opening your account. Please see your credit card agreement for any limitations that apply to certain transactions.
Annual fee	No annual fee.
Fees	Cash transactions (any currency)		3% or minimum £3.
	Introductory balance transfer fee		0% of the amount of each balance transfer you make within the first 90 days of opening your account.
	Introductory money transfer fee		Not applicable.
	Non-introductory balance transfer fee		3% of transfer (min £3).
	Non-introductory money transfer fee		3% of transfer (min £3).
Non-sterling transactions (foreign usage)	Payment scheme exchange 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 transaction fee		3% minimum £3.
Default charges	Late Payment charge		£12
Default charges	Overlimit charge		£12

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Terms and conditions

View Draft credit card account terms and conditions

A full set of Terms and Conditions specific to you will be issued once you’ve been accepted for the Credit Card.

Other key features of your Halifax credit card

Accepted wherever you see the Mastercard® sign at over 43 million locations worldwide.
Protection against fraud when you shop online with Halifax Secure (certain retailers only).
Keep on top of your money - manage your card with Mobile and Online Banking.
It’s even easier with the Mobile Banking app – check your card balance, pay your bill or transfer money when you need to.

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.

GREAT NEWS, YOU'VE BEEN PRE-APPROVED FOR A NO FEE 0% BALANCE TRANSFER CARD

Pay no fees on introductory balance transfers.

Pay no fees on introductory balance transfers.

Your credit card explained

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

Your representative example

Useful to know before you apply

Ready to apply?

Your representative example explained

Summary box

Terms and conditions

Other key features of your Halifax credit card

Already have a Halifax Credit Card?

Making sure you get a fair deal