Halifax credit cards

How to choose the right Halifax credit card

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

Founded in the West Yorkshire town it is named after, Halifax started life in 1853 as a building society. By 1913 it had become the UK’s largest, a position it maintained for more than 80 years until it demutualised in 1997. It merged with Bank of Scotland in 2001, forming HBOS.

It’s now one of the UK’s biggest banks offering a range of banking services – including a substantial 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:

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Your personalised chance of approval

Chance of approval 10/10 GUARANTEED
Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.
We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.
You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.
This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.
This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.
It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

See the full approval scale

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 to get it right the first time. Your scores help you understand which cards you have the strongest chance of getting. 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.

Chance of approval scale

10/10 = Pre-approved

Chance of approval 10/10 GUARANTEED
10/10 GUARANTEED

10/10 = Pre-approved

Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.

9.5/10 - 7/10 = Good chance

Chance of approval 9.5/10
9.5/10
Chance of approval 9/10
9/10
Chance of approval 8/10
8/10
Chance of approval 7/10
7/10

9.5/10 - 7/10 = Good chance

This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.

6/10 - 4/10 = Fair chance

Chance of approval 6/10
6/10
Chance of approval 5/10
5/10
Chance of approval 4/10
4/10

6/10 - 4/10 = Fair chance

This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.

3/10 - 1/10 = Low chance

Chance of approval 3/10
3/10
Chance of approval 2/10
2/10
Chance of approval 1/10
1/10

3/10 - 1/10 = Low chance

It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

Not eligible = Consider a different card

Chance of approval Not eligible
Not eligible

Not eligible = Consider a different card

You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.

Not rated = We don’t have enough infoinformation

Chance of approval Not rated
Not rated

Not rated = We don’t have enough infoinformation

We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.

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Chance of approval 10/10 GUARANTEED
Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Chance of approval Eligibility checker Check your eligibility
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Chance of approval 10/10 GUARANTEED
Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Chance of approval Eligibility checker Check your eligibility
Start
What's this?
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Main features

Rate type
Rate
Duration
Balance transfers
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Fees

Fee type
Fee
Min fee
Balance transfers
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Cash advances
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Money transfers
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Fixed fees
Fee amount
Annual fee
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Monthly fee
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What's good about this card

What to be aware of

Repayment details

  • Interest free period – up to {{sliderProduct.productAttributes.repaymentDetails.interestFreePeriod}} days
  • Your monthly minimum payment will be the greater of:
    • {{sliderProduct.productAttributes.repaymentDetails.minimumMonthlyRepayRate}}% of the outstanding balance on your statement (minimum £{{sliderProduct.productAttributes.repaymentDetails.minimumMonthlyRepayAmount}})
    • The full balance if less than £{{sliderProduct.productAttributes.repaymentDetails.minimumBalanceToAvoidPayingFullBalance}}
    • {{sliderProduct.productAttributes.repaymentDetails.percentageOfBalanceToPayAfterMissedPayment}}% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
Halifax

Halifax

Balance transfer

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Purchases

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Rewards

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Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

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Not available on any other comparison site

Not available on any other comparison site

Halifax

Halifax

Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

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  • No rewards

Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

  • {{::item}}

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EXPLORE MORE CREDIT CARDS

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.

Click below to get started.


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