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.
Halifax FlexiCard review
This card is no longer available, but you can use this page to compare alternatives.
As of May 2020, 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.
You say: ★★★★★We say: ★★★★★
Potential costs: 3/5
Doing its job: 4/5
In a nutshell:
Up to 56 days
Interest-free each billing period
|Issuer||Bank of Scotland|
|Balance transfer fee||5%|
|Purchases interest-free period||Up to 56 days|
|Minimum credit limit||£0|
|Maximum credit limit||Subject to status|
|Additional cards available||1|
Chris Lilly is a publisher at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.
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?
Compare the Halifax range of credit cards
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.