You're pre-approved for a Halifax Credit Card.

    Credit Cards

    Representative example

    Clarity Credit Card

    • No fees for using your card anywhere worldwide (interest charges apply)
    • No fees for withdrawing cash (interest charges apply and some ATM providers may charge a fee)

    5 Minimum £100 balance transfer. We don’t charge a cash advance fee but some independent providers may charge fees for use of their ATM service. While there are no usage fees for the Clarity Credit Card, interest charges still apply - see the Summary Box for full details.

    A variable representative of
    18.9% APR


    A variable annual purchase rate of
    18.95% p.a.


    Based on borrowing
    £1,200
    over 12 months.


    Credit limits and interest rates will vary based on your individual circumstances

    Find out more

    Low Fee 0% Balance Transfer

    • 0% interest for up to 30 months from account opening on balance transfers within the first 90 days.
    • 0% interest for 12 months from account opening on purchases.
    • An initial 3% fee applies, we'll then refund 1.8% on balances transferred within the first 90 days.*

    *Minimum £100 balance transfer. An initial 3% fee applies; we'll then refund 1.8% within 90 days, so the effective fee is 1.2%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer.

    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.


    Credit limits and interest rates will vary based on your individual circumstances

    Find out more

    No Fee 0% Balance Transfer

    • 0% interest for up to 22 months from account opening on balance transfers within the first 90 days.
    • 0% interest for 6 months from account opening on purchases.
    • 0% fee applies on balance transfers within the first 90 days.3

    3 Minimum £100 balance transfer. 0% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account.

    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.


    Credit limits and interest rates will vary based on your individual circumstances

    Find out more

    Our Longest 0% Balance Transfer

    • 0% interest for up to 32 months from account opening on balance transfers within the first 90 days.
    • 0% interest for 3 months from account opening on purchases.
    • Pay 3% fees on balance transfers.¥

    ¥ Minimum £100 balance transfer.

    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.


    Credit limits and interest rates will vary based on your individual circumstances

    Find out more

    Longest 0% Purchase

    • 0% interest for up to 27 months from account opening on purchases.
    • 0% interest for 3 months from account opening on balance transfers made in the first 90 days.
    • 3% fee applies on each balance transfer made.*

    * Minimum £100 balance transfer.

    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.


    Credit limits and interest rates will vary based on your individual circumstances

    Find out more

    0% Purchase and Balance Transfer

    • 0% interest for 20 months from account opening on balance transfers within the first 90 days.
      Minimum £100 balance transfer.
    • 3% fee applies on each balance transfer made.
    • 0% interest for 20 months from account opening on purchases.2

    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.


    Credit limits and interest rates will vary based on your individual circumstances

    Find out more

    Clarity Credit Card

    • No fees for using your card anywhere worldwide (interest charges apply)
    • No fees for withdrawing cash (interest charges apply and some ATM providers may charge a fee)

    5 Minimum £100 balance transfer. We don’t charge a cash advance fee but some independent providers may charge fees for use of their ATM service. While there are no usage fees for the Clarity Credit Card, interest charges still apply - see the Summary Box for full details.


    Representative example

    A variable representative of
    18.9% APR


    A variable annual purchase rate of
    18.95% p.a.


    Based on borrowing
    £1,200
    over 12 months.


    Credit limits and interest rates will vary based on your individual circumstances

    Low Fee 0% Balance Transfer

    • 0% interest for up to 30 months from account opening on balance transfers within the first 90 days.
    • 0% interest for 12 months from account opening on purchases.
    • An initial 3% fee applies, we'll then refund 1.8% on balances transferred within the first 90 days.*

    *Minimum £100 balance transfer. An initial 3% fee applies; we'll then refund 1.8% within 90 days, so the effective fee is 1.2%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer.


    Representative example

    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.


    Credit limits and interest rates will vary based on your individual circumstances

    No Fee 0% Balance Transfer

    • 0% interest for up to 22 months from account opening on balance transfers within the first 90 days.
    • 0% interest for 6 months from account opening on purchases.
    • 0% fee applies on balance transfers within the first 90 days.3

    3 Minimum £100 balance transfer. 0% fee applies for each balance transfer made in the first 90 days from when we open your account. 3% fee applies for each balance transfer made after 90 days from when we open your account.


    Representative example

    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.


    Credit limits and interest rates will vary based on your individual circumstances

    Our Longest 0% Balance Transfer

    • 0% interest for up to 32 months from account opening on balance transfers within the first 90 days.
    • 0% interest for 3 months from account opening on purchases.
    • Pay 3% fees on balance transfers.¥

    ¥ Minimum £100 balance transfer.


    Representative example

    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.


    Credit limits and interest rates will vary based on your individual circumstances

    Longest 0% Purchase

    • 0% interest for up to 27 months from account opening on purchases.
    • 0% interest for 3 months from account opening on balance transfers made in the first 90 days.
    • 3% fee applies on each balance transfer made.*

    * Minimum £100 balance transfer.


    Representative example

    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.


    Credit limits and interest rates will vary based on your individual circumstances

    0% Purchase and Balance Transfer

    • 0% interest for 20 months from account opening on balance transfers within the first 90 days.
      Minimum £100 balance transfer.
    • 3% fee applies on each balance transfer made.
    • 0% interest for 20 months from account opening on purchases.2

    Representative example

    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.


    Credit limits and interest rates will vary based on your individual circumstances

    Compare our great range of credit card products, deals and offers, whether you’re looking for a credit card to make every day purchases, to do a balance transfer or just a simple to use credit card. You can use the table below to see if there's a card that’s right for you.



    We also have some other credit cards available.

    Unfortunately based on the information you provided, we cannot pre-approve you for the cards below this message. This does not mean you will not be accepted, but you will have to complete a full application to be sure.

    Credit Cards

    Representative example

    FlexiCard Credit Card

    • Instalment plans over 2 to 36 months for your eligible balance.
    • A low representative rate of 6.4% APR (variable).
    • 0% fee on balance transfers made within the first 90 days.

    Minimum £100 balance transfer. 0% 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 from when we open your account.

    A variable representative of
    6.4% APR


    A variable annual purchase rate of
    6.45% p.a.


    Based on borrowing
    £1,200
    over 12 months.


    Credit limits and interest rates vary based on your individual circumstances.

    Find out more

    FlexiCard Credit Card

    • Instalment plans over 2 to 36 months for your eligible balance.
    • A low representative rate of 6.4% APR (variable).
    • 0% fee on balance transfers made within the first 90 days.

    Minimum £100 balance transfer. 0% 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 from when we open your account.


    Representative example

    A variable representative of
    6.4% APR


    A variable annual purchase rate of
    6.45% p.a.


    Based on borrowing
    £1,200
    over 12 months.


    Credit limits and interest rates vary based on your individual circumstances.


    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.


    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.