Halifax credit cards

How to choose the right Halifax credit card

Halifax has numerous 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, which was then taken over by Lloyds Banking Group in 2009.

Even though it’s now part of one of the largest banking groups in the world, it operates as a separate brand, offering a range of banking services – including a substantial range of credit cards.

How do Halifax credit cards compare?

Halifax has a wide range of credit cards, though many of them have similar features. Most of them offer significant interest-free periods on both purchases and balance transfers, but as a rule of thumb, the longer the 0% interest period, the higher the transaction fee. Consider the features of each option carefully to work out which one is the best for your needs:

  • The 0% Purchase and Balance Transfer card: This card gets you a massive 20 months interest fee on both balance transfers and purchases. Balance transfers command a 3% fee, and must be made within 90 days of opening the account. This is a good all-round card for people who can afford the fee
  • Our Longest 0% Balance Transfer: Offering a whopping interest-free period of 29 months, this card is great for balance transfers. There’s a 3% fee per transfer, and transactions must be made within three months of opening the account. Purchases are also 0% for three months. This card is best for people who have debts on other credit cards and want to give themselves as long as possible to pay them off
  • Low-Fee 0% Balance Transfer: Another balance transfer card, this one offers 1% fees on balance transfers made within three months of opening the account. The interest-free period is 25 months, and there is 0% on purchases for 12 months. This card is good for people who have outstanding debts which they think they can pay off a little sooner
  • No-Fee 0% Balance Transfer: This balance transfer card has a shorter interest-free period at 15 months, but there are no fees and you get 0% interest on purchases for six months. This card is best for people who have outstanding debts on other cards they can pay off in short order
  • Clarity credit card: This is a credit card for overseas spending, which features no fees on using the card or making withdrawals anywhere in the world. Interest charges apply, as do local ATM fees. It’s good for people who travel frequently and do not have outstanding debts to pay off
  • Flexicard: This low-rate card comes with few other frills beyond a much lower representative APR (9.9% vs 19.9% for other cards). Remember that you’re not guaranteed to be offered the listed APR. This card is best for people who want a credit card for occasional extra spending – and who don’t mind not paying off their balance in full every month

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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 offers many options for people who want to consolidate and pay off other credit card debts with balance transfers. There are four options, with interest-free periods lasting between 15 and 29 months. The less time you need to pay off your outstanding bet, the lower the transfer fee
  • No card fees: Halifax does not levy monthly fees on any of its credit cards
  • 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, and its credit cards are protected by the Consumer Credit Act, meaning you’ll get a full refund if anything goes wrong on purchases worth between £100 and £30,000

Here’s how to pick the right Halifax credit card:

  • For balance transfers: Halifax offers four cards with 0%-interest periods for balance transfers. Generally speaking, the longer the interest-free period, the higher the percentage fee. So if you think you’ll be able to pay your balance off quickly, take the no-fee or low-fee 0% balance transfer cards. If you need more time to get on top of your debts, take the card called Our Longest 0% Balance Transfer, which gives you nearly two and a half years interest free
  • For 0% purchases: Halifax has several cards with decent 0%-interest periods on spending, but the best one is the 0% Purchase and Balance Transfer card, which gives you 20 months
  • For overseas spending: The Clarity credit card is the best card for spending abroad, levying no fees for purchases or withdrawals in the local currency

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 for us to find the correct deals – 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.

Approval 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 is through. 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.

We are free and independent, and offer exclusive deals you can't get anywhere else. Click here to get started.


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