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 offer on purchases.
  • Could be a useful way of funding planned bigger items or projects.
  • Better purchase protection than you get with a debit 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.

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 £100-£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.

What happens after the introductory offer ends?

Your interest will go to the standard rate for your credit card. This might be higher, unless you clear your balance in full before the introductory offer ends. Bear in mind, you’ll lose your introductory rate if you don’t make your minimum payment each month and stay within your credit limit.

Things to look out for

  • The interest rate (APR) charged. This factors in interest and any fees automatically charged to your account, so is useful for comparing overall costs of credit cards.
  • How long the introductory offer period is.
  • Only borrow what you can afford to pay back each month.
  • Make sure the credit card limit suits your needs.
  • Try to pay back what you’ve spent in full each month, so you don’t have to pay interest on what you’ve borrowed.

Everything you'd expect - as standard

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

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.

APR, interest rates and fees
Top tips for managing your card

Credit cards help and guidance

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.

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.