Low Fee 0% Balance Transfer.


Your credit card explained


Your representative example

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.


Useful to know before you apply

  • You must be aged 18 years or older and be a resident in the UK.
  • We will credit-check your application and may not be able to approve it.
  • We'll look at your individual circumstances to decide the details of what we can offer you.
  • At least 51% of successful applicants will get the best rates advertised on this page. Others will get 0% interest on balance transfers for the first 18 months, with a 3% balance transfer fee and 0% interest on purchases for the first 9 months, at a rate of 27.9% APR (variable).


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You may be eligible to apply for a second credit card with us. Excludes Student Credit Card customers, conditions apply.

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Unfortunately, based on the information you gave us, we will not be able to offer you a credit card.

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Based on the information you gave us, your eligibility score is 10% and you are unlikely to be approved for one of our credit cards.

 

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Based on the information you gave us, your eligibility score is 20% and you are unlikely to be approved for one of our credit cards.

 

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Based on the information you gave us, your eligibility score is 30% and you are unlikely to be approved for one of our credit cards.

 

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Based on the information you gave us, your eligibility score is 40% and you are unlikely to be approved for one of our credit cards.

 

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Based on the information you gave us, your eligibility score is 50% and you are likely to be approved for one of our credit cards.

 

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Based on the information you gave us, your eligibility score is 60% and you are likely to be approved for one of our credit cards.

 

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Based on the information you gave us, your eligibility score is 70% and you are likely to be approved for one of our credit cards.

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Based on the information you gave us, your eligibility score is 80% and you are likely to be approved for one of our credit cards.

 

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Based on the information you gave us, your eligibility score is 90% and you are very likely to be approved for one of our credit cards.

 

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Based on the information you gave us, your eligibility score is 95% and you are very likely to be approved for one of our credit cards.

 

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Based on the information you provided, we can offer you a credit card. This decision is only valid for this session; please complete the eligibility checker again if you do not want to apply now. 

 

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Based on the information you provided, we can offer you a credit card. This decision is only valid for this session; please complete the eligibility checker again if you do not want to apply now. 

 

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Based on the information you provided, we can offer you a credit card. This decision is only valid for this session; please complete the eligibility checker again if you do not want to apply now. 

 

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Will I be accepted?

See how likely you are to be accepted for a Halifax Bank credit card. Your credit rating will not be affected and there’s no obligation to apply for a card afterwards.

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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.


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 no. 169628.