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Halifax credit cards

How to choose the right Halifax credit card

  • See cards you're likely to get
  • Won't damage your credit score
  • A small step towards Money Calm

Halifax has credit card options available to new and existing customers alike.

Halifax started life in 1853 as a building society, and is now one of the UK's biggest banks. It's one of the largest mortgage lenders in the country, and also offers a range of credit cards.

What types of credit cards do Halifax offer?

Halifax offers a range of credit cards with interest-free periods on both purchases and balance transfers. Consider the features of each option carefully to work out which one is the best for your needs.

Halifax credit card features

Halifax manages to pack lots of features into each of its credit cards, in order to suit all sorts of needs and circumstances:

  • 0% interest: Halifax has options for people who want to consolidate and pay off other credit card debts with balance transfers. There may be a transfer fee to move the balance
  • Security: The Halifax Secure system, developed in partnership with Visa and MasterCard, protects you while shopping online by assessing every transaction and seeking verification where necessary
  • Online and mobile banking: The Halifax app keeps all of your accounts in one place, and comes with fingerprint-recognition technology. Your credit cards are also compatible with Apple Pay and Android Pay, so you can use your phone to tap card readers for small purchases
  • Regulation: Halifax is regulated by the Financial Conduct Authority. Purchases of over £100 and up to £30,000 are protected under Section 75 of the Consumer Credit Act 1974.

Am I eligible for a Halifax credit card?

Halifax has clear eligibility criteria for each of its cards, though the offer you get will depend on your particular circumstances. You need to be a UK resident with a regular income and aged 18 or over to apply.

Your chances of being accepted for a Halifax credit card will depend on a range of factors – most of which come together to make up your credit score. You’ll get better rates if you have a history of responsible borrowing than you will if you’ve missed loan repayments or even defaulted in the past.

The best way to take control of your credit score is with MoneySuperMarket’s free Credit Monitor tool. You can use it to find out what your credit score is, and to work out simple ways to improve it. Once you have a better handle on your score, you should find it easier to get better deals on credit cards.

How long does it take to get a Halifax credit card?

It only takes a few minutes to provide us with the information we need to access your credit score – and it won’t affect your credit score. After that we’ll direct you to the provider, who will test your eligibility and ask you to make a full application – which shouldn’t take long.

The approval process is usually automatic and quite quick, and your Halifax credit card and PIN should arrive in the post within seven working days.

Sometimes an application is flagged for a manual evaluation, which can take a few days extra.

How do I apply for a Halifax credit card?

MoneySuperMarket’s comparison tool is a great way to apply for a Halifax credit card. It’s simple: you give us a few details about yourself and your circumstances, and we scour our providers for the best deals available to you, including APR and credit limit. You then pick the one you like best.

MoneySuperMarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.