Halifax Credit Cards

Whether you are looking for an introductory period for balance transfers & purchases, or want to pay a low interest rate on your credit card forever, Halifax undoubtedly has a card to suit you. Choose from the wide range below and apply easily online.

  • 0% on balance transfers for 36 months from account opening on balance transfers made within the first 90 days - 2.5% fee (3% is initially applied, then 0.5% is refunded) - 3% after this time
  • 0% for 3 months from account opening on purchases
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • Must be a UK resident, aged 18 years or over, have a regular income, not subject to an IVA or currently bankrupt
  • 0% on balance transfers for 36 months from account opening on balance transfers made within the first 90 days - 2.5% fee (3% is initially applied, then 0.5% is refunded) - 3% after this time
  • 0% for 3 months from account opening on purchases
  • Contactless payments
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • Must be a UK resident, aged 18 years or over, have a regular income, not subject to an IVA or currently bankrupt
  • Balance Transfer
    Rate & Duration
    0%
    36 Months
    Balance Transfer
    Fee
    2.5%
    Purchases
    Intro
    0%
    3 Months
    Annual Fee
    £0
    Representative APR (variable)
    19.9%
    APR

Representative Example: Representative 19.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)

  • Take control of your spending - Spread the cost of big purchases by setting up instalment plans (from 2 to 36 months), then pay them off in regular monthly payments
  • A low representative rate of 6.4% APR (variable) on purchases and balance transfers*
  • 0% fee on balance transfers made within the first 90 days (3% fee thereafter)
  • Apple Pay enabled payments
  • *Credit limits and interest rates will vary based on your individual circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, be free from CCJs, bankruptcy, and not be subject to an IVA
  • Take control of your spending - Spread the cost of big purchases by setting up instalment plans (from 2 to 36 months), then pay them off in regular monthly payments
  • A low representative rate of 6.4% APR (variable) on purchases and balance transfers*
  • 0% fee on balance transfers made within the first 90 days (3% fee thereafter)
  • Apple Pay enabled payments
  • *Credit limits and interest rates will vary based on your individual circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, be free from CCJs, bankruptcy, and not be subject to an IVA
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £0
    Representative APR (variable)
    6.4%
    APR

Representative Example: Representative 6.4% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 6.45% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% interest for 30 months on purchases
  • 0% for 6 months from account opening on balance transfers (3% fee)
  • Free cover against online fraud
  • Apple Pay enabled payments
  • APR dependent on applicant circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income of at least £20,000 p.a., not have any CCJs, be subject to an IVA or be currently declared bankrupt
  • 0% interest for 30 months on purchases
  • 0% for 6 months from account opening on balance transfers (3% fee)
  • Free cover against online fraud
  • Apple Pay enabled payments
  • APR dependent on applicant circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income of at least £20,000 p.a., not have any CCJs, be subject to an IVA or be currently declared bankrupt
  • Balance Transfer
    Rate & Duration
    0%
    6 Months
    Balance Transfer
    Fee
    3%
    Purchases
    Intro
    0%
    30 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Good
  • 0% for up to 32 months from account opening on balance transfers within the first 90 days
  • 0.7% effective fee applies on each balance transfer made in the first 90 days
  • 0% for 12 Months on purchases from account opening
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • You must be a UK resident, aged 18 or over, have a regular income, not have any CCJs, not declared bankrupt and not subject to an IVA
  • 0% for up to 32 months from account opening on balance transfers within the first 90 days
  • 0.7% effective fee applies on each balance transfer made in the first 90 days
  • 0% for 12 Months on purchases from account opening
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • You must be a UK resident, aged 18 or over, have a regular income, not have any CCJs, not declared bankrupt and not subject to an IVA
  • Balance Transfer
    Rate & Duration
    0%
    32 Months
    Balance Transfer
    Fee
    0.7%
    Purchases
    Intro
    0%
    12 Months
    Annual Fee
    £0
    Representative APR (variable)
    18.9%
    APR

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)

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