Halifax Longest 0% Balance Transfer Mastercard review

This card is no longer available, but you can use this page to compare alternatives.

As of April 2019, this card has been discontinued and is no longer available. However, this information has been kept for historical purposes. You can use this page to browse the range of credit cards currently available from Halifax and to compare similar cards from other issuers.

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Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).

19.9%

Representative APR

29 months

0% interest on balance transfers

£0

Account fee

3 months

0% interest on purchases

Details

IssuerBank of Scotland
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 29 months reverting to 19.95%
Balance transfer fee3% for 3 months reverting to 5%
Purchases0% for 3 months reverting to 19.95%
Purchases interest-free periodUp to 56 days
Cash advances19.95%
Min credit limit£0
Max credit limitNot specified
Additional cards available1

Review by


Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

If you have outstanding credit card debt on a card (or cards) not issued by Halifax, this promotion could let you take a lengthy break from paying interest. It is one of the very longest balance transfer deals available on the market.

As an added bonus, the card comes with an introductory 0% period for purchases too, so if you’re anticipating a large upcoming expenditure, you’ll be able to spread the cost over 3 months.

If you do opt to transfer your balance(s) to Halifax, bear in mind that each transfer will incur a fee of 3% for 3 months reverting to 5%, and don’t forget that if you don’t clear your balance in full within 29 months, any outstanding balance will start to accrue interest at the card’s standard rate.

All in all, this is a really good card if you need as long as possible to clear your debt. If you think you can make it more quickly instead, it may be worth considering a card with no balance transfer fee. They’re a rare treat, but you can compare a few in the table below.

Finally, this card is on the Mastercard network, so it’s accepted in more than 40 million locations worldwide. As the focus is very much on its financial features, there isn’t much in it in terms of perks and rewards, but you’ll be able to enjoy access to Priceless Cities experiences.

How does this card compare with other similar cards on the market?

Table: sorted by representative APR, promoted deals first
Name Product Balance transfers Balance transfer fee Purchases Annual/monthly fees Representative APR Incentive Link
M&S Bank Rewards Offer Mastercard
0% for 12 months reverting to 19.9%
2.9% (min. £5)
0% for 12 months reverting to 19.9%
£0
19.9% APR (variable)
Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
Santander Everyday No Balance Transfer Fee Credit Card
0% for 18 months reverting to 20.9%
0% for 18 months reverting to 3% (min. £5)
0% for 3 months reverting to 20.9%
£0
20.9% APR (variable)
Earn up to 15% cashback with your selected Retailer Offers at selected major retailers.
Representative example: When you spend £1,200 at a purchase rate of 20.9% p.a. (variable), your representative rate is 20.9% APR (variable).
Check eligibility
Santander Everyday Long Term Balance Transfer Credit Card
0% for 31 months reverting to 20.9%
2.75% (min. £5) for 31 months reverting to 3% (min. £5)
0% for 3 months reverting to 20.9%
£0
20.9% APR (variable)
Earn up to 15% cashback with your selected Retailer Offers at selected major retailers.
Representative example: When you spend £1,200 at a purchase rate of 20.9% (variable) p.a., your representative rate is 20.9% APR (variable).
Check eligibility
HSBC No Fee Balance Transfer Credit Card Visa
0% for 20 months reverting to 21.9%
0% for 2 months reverting to 2% (min. £5)
21.9%
£0
21.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
HSBC Balance Transfer Credit Card
0% for 29 months reverting to 21.9%
2.85% (min. £5)
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
M&S Bank Shopping Plus Credit Card
0% for 22 months reverting to 21.9%
2.9% (min. £5)
0% for 22 months reverting to 21.9%
£0
21.9% APR (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
The NatWest Balance Transfer Credit Card (eligibility criteria apply)
0% for 18 months reverting to 21.9%
0%
0% for 3 months reverting to 21.9% p.a. (variable)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable), your representative rate is 21.9% APR (variable).
Check eligibility
The Royal Bank Balance Transfer Credit Card (eligibility criteria apply)
0% for 18 months reverting to 21.9%
0%
0% for 3 months reverting to 21.9% p.a. (variable)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable), your representative rate is 21.9% APR (variable).
Check eligibility
M&S Bank Transfer Plus Offer Mastercard
0% for 29 months reverting to 21.9%
2.75% (min. £5)
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
HSBC Purchase Plus Credit Card Visa
0% for 18 months reverting to 22.9%
2.9% (min. £5) for transfers in first 60 days
0% for 18 months reverting to 22.9%
£0
22.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
Check eligibility
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Approval for any credit card will depend on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Compare the Halifax range of credit cards

Table: sorted by representative APR, promoted deals first
Name Product Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
Halifax Credit Card Mastercard
9.93%
9.93%
(5% fee)
£0
9.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.93% (variable) p.a., your representative rate is 9.9% APR (variable).
Halifax Clarity Credit Card Mastercard
19.93%
19.93%
(0% fee)
£0
19.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.93% (variable) p.a., your representative rate is 19.9% APR (variable).
Halifax Low Fee 0% Balance Transfer Credit Card
0% for 9 months reverting to 21.93%
0% for 29 months
(2.7% fee)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).
Halifax 0% Purchase and Balance Transfer Mastercard
0% for 17 months reverting to 21.93%
0% for 17 months
(2.99% fee)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.93% (variable) p.a., your representative rate is 21.9% APR (variable).
loading

Compare up to 4 providers

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0345 944 4555), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Halifax Longest 0% Balance Transfer Mastercard?

If you have compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, use the “Check your eligibility” tool on the Halifax site to check that you have a decent likelihood of getting approved, without affecting your credit score. You will need to provide your address details for the last three years. In most cases you will get an instant response.

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