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

Credit Cards

Representative example

Our Longest 0% Balance Transfer

  • 0% for up to 38 months from account opening on balance transfers within the first 90 days.
  • 0% for 6 months from account opening on purchases.
  • An initial 3% fee applies, we'll then refund 0.75% on balances transferred within the first 90 days.¥

¥ Minimum £100 balance transfer. An initial 3% fee applies; we'll then refund 0.75% within 90 days, so the effective fee is 2.25%. 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
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 32 months from account opening on balance transfers within the first 90 days.
  • 0% for 12 months from account opening on purchases.
  • 0.7% fee applies on balances transferred within the first 90 days.

*Minimum £100 balance transfer. 0.7% 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.

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

Longest 0% Purchase

  • 0% for up to 6 months from account opening on balance transfers within the first 90 days.
  • 0% for 30 months from account opening on purchases.
  • 3% fee applies on each balance transfer made.*

* Minimum £100 balance transfer.

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

0% Purchase and Balance Transfer

  • 0% for up to 29 months from account opening on balance transfers within the first 90 days.
  • 0% for up to 29 months from account opening on purchases.
  • 2.5% fee applies on balance transfers within the first 90 days.2

2 Minimum £100 balance transfer. 2.5% 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.

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

No Fee 0% Balance Transfer

  • 0% for up to 29 months from account opening on balance transfers within the first 90 days.
  • 0% for 3 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
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

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)
  • £20 cashback offer valid on accounts opened by 3rd September 2017. Conditions apply*

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.

6 Cashback conditions: you will have until 30th September 2017 to make a qualifying transaction in a foreign currency. The £20 cashback will be applied within 90 days of the transaction being made.

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

Our Longest 0% Balance Transfer

  • 0% for up to 38 months from account opening on balance transfers within the first 90 days.
  • 0% for 6 months from account opening on purchases.
  • An initial 3% fee applies, we'll then refund 0.75% on balances transferred within the first 90 days.¥

¥ Minimum £100 balance transfer. An initial 3% fee applies; we'll then refund 0.75% within 90 days, so the effective fee is 2.25%. 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
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 32 months from account opening on balance transfers within the first 90 days.
  • 0% for 12 months from account opening on purchases.
  • 0.7% fee applies on balances transferred within the first 90 days.

*Minimum £100 balance transfer. 0.7% 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.


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

Longest 0% Purchase

  • 0% for up to 6 months from account opening on balance transfers within the first 90 days.
  • 0% for 30 months from account opening on purchases.
  • 3% fee applies on each balance transfer made.*

* Minimum £100 balance transfer.


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

0% Purchase and Balance Transfer

  • 0% for up to 29 months from account opening on balance transfers within the first 90 days.
  • 0% for up to 29 months from account opening on purchases.
  • 2.5% fee applies on balance transfers within the first 90 days.2

2 Minimum £100 balance transfer. 2.5% 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.


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

No Fee 0% Balance Transfer

  • 0% for up to 29 months from account opening on balance transfers within the first 90 days.
  • 0% for 3 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
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

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)
  • £20 cashback offer valid on accounts opened by 3rd September 2017. Conditions apply*

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.

6 Cashback conditions: you will have until 30th September 2017 to make a qualifying transaction in a foreign currency. The £20 cashback will be applied within 90 days of the transaction being made.


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

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.


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.

We subscribe to The Lending Code.