Halifax FlexiCard review December 2019

Like knowing where you stand? This innovative card that lets you set up instalment plans for your larger purchases.

Finder rating: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 9.95% (variable) p.a., your representative rate is 9.9% APR (variable).

9.9%

Representative APR

£0

Account fee

Up to 56 days

Interest-free each billing period

Details

IssuerBank of Scotland
NetworkMastercard
Annual/monthly fees£0
Balance transfers9.95%
Balance transfer fee3% (min. £3)
Purchases9.95%
Purchases interest-free periodUp to 56 days
Cash advances9.95%
Min. credit limit£0
Max credit limitNot specified
Additional cards available1

Expert review

Chris Lilly

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

The Halifax FlexiCard is designed to give both flexibility and certainty when making larger purchases. For anything you buy that costs more than £100, you can set up an instalment plan with terms to suit you, so that you know what it’ll cost you overall, and when the debt will be cleared.

The online repayment planner lets you effectively define up to ten concurrent loans within your card balance. If you like a clear structure to your debt, then this could appeal to you, however it’s unlikely to be the cheapest option on the market for spreading repayments over longer terms.

Alternatively, you can make manual repayments online or over the phone (0345 944 4555), or set up a direct debit to clear any outstanding balance each month or just the minimum required payment. Setting up a direct debit is a sensible fallback option that ensures you don’t accidentally miss a payment and damage your credit score.

Being a Mastercard, you’ll be able to use it at over 43 million locations worldwide and as a little bonus you’ll have access to exclusive entertainment and travel experiences through the Mastercard Priceless Cities programme.

How does this card compare with other low rate deals?

Table: sorted by representative APR, promoted deals first
Updated December 8th, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
9.9%
6.9%
£0
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
9.9%
6.9%
£0
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
6.9%
6.9%
£0
6.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 6.9% (variable) p.a., your representative rate is 6.9% APR (variable).
4.9% for 48 months reverting to 8.9%
4.9% for 48 months reverting to 8.9%
£0
8.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 8.9% (variable) p.a., your representative rate is 8.9% APR (variable).
9.942%
10.362%
£0
9.9% (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.
Representative example: When you spend £1,200 at a purchase rate of 9.942% (variable) p.a., your representative rate is 9.9% APR (variable).
9.95%
9.95%
£0
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.95% (variable) p.a., your representative rate is 9.9% APR (variable).
9.9%
9.9%
£0
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
9.9%
9.9%
£0
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).

Compare up to 4 providers

Approval for any credit card will depend on your status. The APR shown represents 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.

How to apply for the Halifax FlexiCard

If you’ve compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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