Large purchase credit cards

A large purchase credit card could help spread the cost of an expensive purchase, which might help make it a more manageable way to pay.

Features of large purchase credit cards:

  • Usually come with an introductory interest rate on card purchases.
  • Repay your balance before the introductory rate expires to limit your borrowing costs.
  • Most credit card purchases between £100 and £30,000 are protected by Section 75 of the Consumer Credit Act.

Will I be accepted?

See if you’re likely to be approved for a Halifax credit card. Your credit score won’t be affected and there’s no obligation to apply afterwards.

Check your eligibility

No more paying upfront

You could pay for higher-value goods or services monthly within the introductory offer period instead of all in one go.

Peace of mind

Most credit card purchases of over £100 but not more than £30,000 are covered by Section 75 of the Consumer Credit Act 1974 if something goes wrong.

Better budgeting

Manage your payments to fit your finances.

Standard account features

  • Manage your account online: using your computer, tablet or phone, you can check balances, recent transactions and statements, make payments, request transfers and more.
  • Complete fraud protection: you won’t be charged for transactions you didn’t authorise, as long as you tell us right away when you spot something odd, or lose your card.
  • Lots of payment options: you can make your monthly payments in a number of ways, including bank transfer, debit card and regular Direct Debit payments.
  • UK call centres: our UK based contact centres are just a phone call away, with essential services available 24 hours a day, 7 days a week.
  • Contactless cards: make small payments securely and quickly, wherever you see the contactless symbol. You can also add your card details to a compatible mobile device, ready to use online and at checkouts.
  • Paperless statements: monthly statements will be delivered online, instead of by post. We’ll let you know by email when a new statement is ready to view online.

Frequently asked questions

  • Rather than display all of the credit cards we offer, we’ll only show you the ones you’re eligible to apply for. Provide a few basic details and our eligibility checker will do the rest, giving you a clearer idea of the credit limit and interest rate you could get. It also means you’re less likely to be declined, or offered a different rate when you submit a full credit application.

  • We’ll show you the interest rate and credit limit you could get when you use our eligibility checker. This check takes about five minutes to complete, and won’t affect your credit score. We offer interest rates and a credit limit based on your personal circumstances. By using the eligibility checker, you’ll only see the cards you’re eligible to apply for and are more likely to be accepted for.

  • When introductory interest rates expire, the standard interest rates will apply to any balances you haven’t repaid, potentially increasing your borrowing costs.

    It’s important to know that you could lose your introductory rate if you don’t make at least the minimum payment on time each month, or you go over your credit limit. Making the monthly minimum payment probably won’t be enough to clear your balance before any offers expire, especially if you’ve used your card for other things, so pay more whenever you can.

    Things to look out for:

    • The Annual Percentage Rate (APR) is usually based on the card purchase interest rate, accounting for standard account costs, such as annual fees. As well as giving you an idea about the annual cost of borrowing, the APR is also a quick way to compare credit products.
    • The lowest and longest lasting introductory interest rates are usually offered on one transaction type, e.g. card purchases, so think about the main reason you need a credit card.
    • You can use a purchase credit card to make transfers and other types of transaction, but higher interest rates might apply. You could avoid paying interest by repaying your balance in full every month.
    • Only borrow what you can realistically afford to repay. Will you be able to make payments, even if your circumstances changed?
  • When applying for a credit card, it’s important to make sure the one you choose suits your needs.

    Large purchase credit cards often come with an introductory interest rate on card purchases, and can be a flexible way to spread your costs. However, if you use your card to make other types of transaction, the interest rates and other costs could be higher.

    A large purchase credit card might not suit everyone. If your main reason for taking out a card is to complete a balance transfer, then it might be worth looking at balance transfer credit cards. If you’re planning to use a credit card to manage your everyday spending, such as regular bills, expenses or even unexpected costs, it might be worth looking at everyday purchase credit cards.

    There are also other types of credit cards available that may be more suitable for your needs. Do your homework about what each card offers to find the one that’s right for you.

    How to choose a credit card

  • You can apply for a credit card if:

    • You’re a UK resident, aged 18 or over, with a regular annual income.
    • You are free of County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) or bankruptcies.
    • You’re not unemployed or a student.
    • You’ve not been declined for a Halifax credit card within the last 30 days.

    You’ll need to complete an eligibility check first, then we’ll show you the credit cards, interest rates and credit limit we could offer you.

    This check takes about five minutes to complete, and won’t affect your credit score. We’ll just need some basic details from you, including your name, address, and some information about your income and outgoings.

    Once you’ve found the card you want to apply for, simply follow the instructions to complete a full credit application.

    Check your eligibility or find out more about how to apply for a credit card.

Will I be accepted?

See if you’re likely to be approved for a Halifax credit card. Your credit score won’t be affected and there’s no obligation to apply afterwards.

Check your eligibility

Get clued up on credit

Your credit score can impact what cards and interest rates you could get. Learn more about how credit works, how to check and improve your credit score, and more.

Credit explained

Looking for a new credit card?

Want to transfer a balance, help manage your everyday spends or spread the cost of a big-ticket item? Or maybe a travel credit card might suit your needs.

Balance transfer credit cards

Everyday spending credit cards

Travel credit cards

Cashback credit cards

All credit cards

Manage your Halifax credit card

If you’ve already got a credit card with us, you’ll find everything you need to look after it here.

Activate your new card

Report your card lost or stolen

Get a second credit card

Ways to pay

More existing customer help

Find out more about credit cards

A credit card can be very handy. The trick is learning how it works so you can use it wisely. Whether you’re thinking of applying for a Halifax credit card or you’re already a customer, our guides will help you find out more.

What are credit card interest rates?

Tips for managing your card

Credit cards help and guidance

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 is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.