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Having started life as a building society in the Yorkshire town of the same name, Halifax merged with the Bank of Scotland to form HBOS and later became part of one of the UK’s biggest banking groups – Lloyds.
Halifax offers existing and new customers competitive deals on credit cards for a variety of purposes. Take advantage of a long 0% period on a balance transfer or large purchase, or save on your overseas spend by avoiding foreign exchanges fees.
With the excellent deals available from Halifax there is no need to pay a high interest rate on your credit card balance. Halifax offers market-leading 0% interest promotions for card spend, and for transferring a balance from a different credit card company. A generous mix of card offers includes low rates for balance transfers and a card that offers a low rate for the lifetime of the card.
In exchange for a reasonable balance transfer fee, you can have many years of 0% interest on a balance you transfer from another credit card company. At the time of writing, Halifax even offers a partial refund on balance transfer fees. Alternatively, choose a slightly shorter 0% promotional period for your balance transfer and pay less than 1% as a balance transfer fee.
Learn more about 0% balance transfer cards
Finance a large purchase on a new Halifax credit card and save on interest. You can pay 0% in interest on purchases for years if you successfully apply for the Halifax purchase offer card, which even includes a short 0% balance transfer period.
Learn more about 0% purchase cards
You can save interest charges on both purchases and balance transfers by sacrificing a little on the length of the promotional period for each. Pick the Halifax Purchase and Balance Transfer card for a generous promotional period of 0% interest on both purchases and balance transfers.
Avoid a hike in interest after your 0% promotional period by picking the card that offers a permanently low interest rate. At approximately a third of the standard Halifax credit card interest rate, the FlexiCard Credit Card is an excellent choice if you want to keep your interest charges low in the long run. Your rate will fluctuate with the Bank of England base rate, but will always be substantially lower than standard credit card rates. You can even arrange a 2 to 36 month repayment plan on qualifying balances.
Most banks will charge you approximately 3% of the transaction value in foreign transaction fees when you spend abroad. You don’t need to pay this charge when you travel if you pay with a Halifax Clarity Credit Card. It is one of the few UK credit cards that simply bill you at the day’s Visa or Mastercard currency interchange rate without any added commissions or costs.
Halifax has a very competitive credit card with good limits and a brilliant app to help you with checking your spending.”
A mix of generous credit limits, excellent balance transfer offers and relatively soft credit scoring criteria means that Halifax credit cards have helped thousands of UK customers cut the amount of money they spend on credit card interest.
Trim your credit card balance almost instantly by taking advantage of the Faster Payments Service. Any money you pay back on your Halifax credit card will be credited within a few hours, in most cases, almost immediately reducing your balance – and saving on interest charges.
In partnership with Visa and Mastercard, Halifax offers a security service that protects you when shopping online. Halifax Secure assesses every transaction and either verifies your transaction automatically or requests further information to pass verification.
Most Halifax credit cards are compatible with Android Pay and Apple Pay. You don’t need to take your credit card out of your wallet, simply tap your phone on the card reader to make a payment.
Halifax cards are issued on the Visa and Mastercard networks, both of which are widely accepted in the UK and around the world. You can be confident that your Halifax card will be accepted no matter where you try to pay.
Enjoy the benefits of balance transfer deals, market-leading interest rates and the backing of an established financial institution without paying an annual fee. All Halifax cards are free of any annual fees, in fact some offer an initial cash-back amount for new applicants.
The Halifax app brings your Halifax accounts together under one roof, so you can quickly and easily move money around and stay on top of your finances. It also has fingerprint-recognition technology (provided your phone can do this), so you can log-in without needing a password.
Before you start your application, get ready personal details such as current and past addresses, employment and income information as well as details of any store cards or other credit cards you would like to pay off by means of a balance transfer. You will also need your current account number and sort code.
Customers in Finder’s 2021 customer satisfaction survey were positive about Halifax, with many describing it as a “good brand” with “great customer service”. One customer said Halifax staff were “always prompt in attending to my request and also in solving complaints if I have any.”
Halifax also scored 4 out of 5 in our 2021 customer satisfaction awards, and 82% of Halifax customers said they would be willing to recommend the provider to a friend.
Whether you need a credit card for day to day spending, a big purchase or to transfer a balance Halifax has a first-rate offer for you. The quick and easy application process and straight forward eligibility criteria make Halifax an excellent choice if you’re looking for a new credit card.
If you’re already a Halifax credit card customer and have been impacted by coronavirus, you may be eligible for assistance. Halifax is currently offering to suspend late payment fees and will not remove promotional interest rates for card customers. For more information, visit Halifax’s coronavirus support page.
With a noticeably low rate on purchases, balance transfers and cash advances, this Halifax card could be an option for those looking to keep their interest costs down.
Check out all the 0% balance transfer deals currently available from Halifax.
Clear existing card debt faster with Halifax’s longest 0% balance transfer deal.
Looking for the right card to take abroad? Here’s everything you need to know about the Clarity card.
A card that offers more than just a break from interest on existing credit card debt.
If you’re hoping to transfer a balance for 0% interest without the fee, this card is worth a closer look.
A balance transfer card with a very specific set of skills. Compare this deal against others from Halifax and competing card issuers.
Halifax’s FlexiCard aims to offer the certainty of a fixed-term personal loan, with the flexibility of a credit card.
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