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Details about a Halifax One MasterCard.
Summary Box
Card Name: Halifax One
Card Issuer: HBOS
Card Type: MasterCard
Exclusive Features: 0% for 9 mths on purch & bal tfrs
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Interest Rates
Typical APR
Purchases Typical 9.9% APR (variable)
 
Annual Rates
Cash Advance Annual Rate 22.95% p.a. (variable)
Balance Transfer Annual Rate 9.93% p.a. (variable)
Cheque Advance Annual Rate 21.95% p.a. (variable)
 
Promotional Rates
Purchases 0% p.a. for 9 months
Cash Advances None
Balance Transfers 0% p.a. for 9 months
 
 
Monthly rates
Purchases 0.792% per month (variable)
Cash Advance 1.736% per month (variable)
Balance Transfers 0.792% per month (variable)
Cheque Advances 1.667% per month (variable)
 
Promotional Rates
Purchases 0% per month
Cash Advances None
Balance Transfers 0% per month
 
Anniversary Offer
Rate None
Duration None
Fee None
 
Additional Purchase Rates
Rate None
Duration None
Transaction None
 
Price For Risk Yes
Minimum rate is 9.9%; or 15.9%; maximum rate is 19.9%
Cash Back & Rewards
Cash Back on Purchases No
Cash Back on Transfers No
Conditions
 
Rewards None
Conditions No 
Repayment Conditions
Interest Free Period 59 days for purchases if you pay your balance in full and on time.
 
Minimum Monthly Period 2.00% or £5.00 whichever is greater
 
Direct Debit Facility Yes
Payment by Direct Debit is available.
 
How Interest is Charged Halifax will charge you interest on purchases and cash advances from the date of the transaction and for cheques, balance transfers and all other amounts from the date they first charge the amount to your account. If you do not pay the total balance shown on your statement each month, Halifax will add the interest charged to your next statement balance.
 
Allocation of Payments Halifax use all payments you make to pay off your balance in the following order:
- transactions that appear on your statement, starting with those on which they do not charge interest, then those on which they charge interest at the lowest rate and so on up to the highest rate of interest;
- transactions not yet shown on your statement in the same order as above.
Fees & Charges
Annual Fee None
 
Cash Advances 2.5% handling fee
£3.00 minimum charge
 
Foreign Exchange 2.75% EU
2.75% Non-EU
 
Duplicate Statement £5.00
 
Transaction Record No charge - UK
No charge - International
 
Replacement Card No charge
 
Late Payment £12.00
failure to make at least the minimum payment to your account by the payment due date
 
Over Limit Fee £12.00
charge for exceeding your credit limit at any time
 
Return Fee £12.00
charge applied when a Direct Debit, cheque or other item is not paid when presented
 
Balance Transfer Fee Yes
A fee of 3% (minimum £3.00) is charged for balance transfers.
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 Eligibilityback
 Minimum Age: 18
 Minimum Income: No
 Status: You must have a permanent UK address, a UK bank account, a regular income and a good credit record.
 Available Credit Limit: No
 
 ATM Withdrawal Notesback
 Notes:
 
 Interest Ratesback
 Rate Notes: There is an introductory rate of 0% per annum for 9 months on purchases from the account opening. After this period the rate will revert back to 9.9% Typical APR (variable).
 Balance Transfers: There is an introductory rate of 0% per annum for 9 months for balance transfers made within 90 days of account opening. After this period ends balance transfers are available at the rate of 9.93% p.a (0.792% p.m.). There is no interest free period for balance transfers (outside of the promotional period).
 
 Cash & Cheque Advancesback
 Cash Advance Notes: There is a handling fee of 2.5% (minimum £3.00). There is no interest free period for cash advances.
 Withdrawal Limit
 (UK):		 Not disclosed
 Withdrawal Limit
 (Non-UK):		 Not disclosed
 Cheque Book: Yes
 Cheque Advance
 Notes:		 You may be sent a book of convenience cheques that you can use to pay any utility bills, catalogues, other lenders, or make payable into your own high street bank. Interest is charged at 1.667% per month (21.95% per annum) from the date the cheque is first charged to the account. Halifax may charge a handling fee of 3% (minimum £3.00) for cheques offered at special promotional rates other than a special promotional rate you received when your account was opened. Cheques cannot be used to pay off any amounts you owe Halifax or to make payments in foreign currencies. There is no interest free period for cheques.
 
 Cashback & Loyalty Rewardsback
 Cashback Conditions:
 Loyalty/Reward Conditions: No
 
 Benefits & Discountsback
 Benefit Notes: - Change your payment date to coincide with your pay day.
- Halifax Secure enables you to shop online safely, using any computer, any time and anywhere. Halifax Secure ensures that no one else will be able to use your card online. Part of the global 'Verified by Visa' and MasterCard SecureCode programmes.
- Chip and PIN is a secure card payment system which has been introduced to help prevent fraud. Transactions in shops and other retail outlets are authorised by keying in your unique 4-digit PIN.
- Visit Halifax Shopping Extra online to compare products, prices and stores for items including household appliances, clothing, computers, electronics and many more.
- For £6.95 a month, identitycare will help you take steps to protect your identity and spot fraudulent activity in your name. If the worst happens, and you are the victim of identity theft, Halifax can provide legal expenses cover with a dedicated solicitor to help you put things right and clear your name.
 Online Account Management: Yes
 Conditions: Check your balance and recent transactions, pay your bills, transfer money and much more.
 Price Match Guarantee: No
 Choice of Card Designs: Yes
 Card Design Options: Choose between a black or pink card.
 Discounts on:  
 Hotels No
 Travel No
 Dining No
 Car Hire No
 Other No
 24 Hour Service: Yes
 Free Additional Card: Yes
 
 Insurances & Protectionback
 Card Protection: Protect all of your cards with Card Care for £18 per year, or £42 for 3 years.
 Payment Protection: 78p per £100 of outstanding balance.
 Free Purchase
 Protection:		 No
 Internet Fraud Guarantee: Yes
 Conditions: Cover against online fraud when purchasing on the internet.
 Extended Warranty: No
 Refund Protection: No
 Travel Accident
 Cover:		 No
 Cover Limit: n/a
 Travel Delay
 Insurance:		 No
 Lost Luggage
 Insurance:		 No
 Delayed Luggage
 Insurance:		 No
 Emergency Card: Yes
 Emergency Card
 Notes:		 Emergency contact number (+44) 8457 20 30 99.
 Personal Liability
 Insurance:		 No
 
 Fees & Chargesback
 Notes: No annual fee.
There is a minimum interest charge of 50p in any month where the interest charge is between 1p and 50p. There is a charge of £5.00 for changing your statement date if you have already changed it twice in the last 6 months. A charge of £10 applies for processing any foreign currency payment you send to Halifax.
 
 Generalback
 Other Information: ---

You are advised to check the lenders Terms & Conditions for information relating to interest rates, fees and charges.

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