Credit Cards details

Your chosen card


You won't get this card on any other comparison site

To apply for this card

Go to the Halifax website

Go to site

Representative Example:

If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

The basics

  • Representative APR 18.9%(variable)
  • Payment Network MasterCard
  • Balance transfer fee 0%

Card features

Great for
You can transfer a balance to this card with no fee
You can use this card abroad with no fee
You may be eligible to apply for this card even if you've already got another Halifax credit card. Excludes Student Credit Card customers, conditions apply
But be aware that
You might get a different interest rate to the one shown here, because this depends on your circumstances
You can't transfer a balance from another card issued by Halifax

Is this card right for you?

To take this card you

  • Must be aged 18 or over
  • Must be a UK resident
  • Must have a regular income
  • Must not be currently declared bankrupt, have any County Court Judgments against you or be subject to an Individual Voluntary Arrangement
  • Must not have applied for a Halifax Credit Card and been declined, within the last 30 days

Introductory interest rates

Rate Duration
Purchases - -
Cash advances - -
Balance transfers - -
Cheque advances - -
Money transfers - -

Long term interest rates

Monthly Annual
Purchases 1.456% 18.95%
Cash advances 1.456% 18.95%
Balance transfers 1.456% 18.95%
Cheque advances - -
Money transfers - -
Price for risk Yes


Annual fee -
Late payment £12
Over credit limit £12
Foreign exchange EU 0%
Foreign exchange non-EU 0%
Return payment £12
Copies of statements £5
Handling fee Min fee Max fee
Cash advances 0% £0 -
Cheque advances - - -
Balance transfers 0% £0 -
Money transfers - - -

Repayment details

  • Interest free period - 56 days
  • Your monthly minimum payment will be the greater of:
    • The full balance if less than £5
    • OR
    • 1% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
  • If you make only the minimum payment each month, it will take longer and cost you more to clear your balance
  • The above minimum repayment details may vary between providers, so please review T&Cs for specific details.
  • Allocation of payments:
    Halifax use your payments to pay off balances charged at the highest interest rate first and so on down to balances with the lowest interest rates. This means the more expensive balances are always paid off first. If there is more than one type of balance at the same interest rate, they are paid off in the following order: cash transactions, purchases, balance transfers and money transfers, and then default charges (plus any interest or charges incurred as a result of those balances). For each type of balance, your payments will pay off the oldest balance (and related fees, charges or insurance) first

Credit limit

Minimum credit limit -
Maximum credit limit -

Other features

Free purchase protection No
Internet fraud guarantee Yes
Rewards No rewards

How your promotional rates will change

  • The rate on balance transfers is 18.95%.
  • The rate on purchases is 18.95%.

About Halifax

Halifax is one of Britain’s most well-known brands. It is now part of Lloyds Banking Group, following the merger between Lloyds TSB and HBOS in 2009. It is probably best known as one of the country’s largest mortgage and savings providers but Halifax also offers a range of credit cards.


You won't get this card on any other comparison site

To apply for this card

Go to the Halifax website

Go to site

Representative Example:

If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
Your chances are good
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.


Cookie use

We use cookies to give you the best experience. By using our website you agree to our use of cookies in accordance with our 

Cookie Policy .

Read more

Cookies are harmless files which can help improve the experience. Cookies allow websites to respond to you as an individual. The website can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

Read less