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To apply for a Halifax credit card you must:
  • Be aged 18 or over
  • Be a UK resident
  • Be in employment (receiving an annual salary)
  • Have a telephone number you can be contacted on
But, you must not:
  • Have been declined for a Halifax or Bank of Scotland Credit Card in the last 6 months
  • Have any CCJs
  • Have missed payments on your current store cards, credit cards, loans or mortgages
  • Be bankrupt
If you do not meet the approval criteria, you may want to review our cards for improving and building credit, at Card to Build & Improve Credit

To benefit from the 0% rate, you must stay within your credit limit and make your monthly payments on time.

APPLY ONLINE NOW!     It's so easy; you'll be done in minutes.

Halifax Mastercard
The only credit card you'll ever need 

Start saving today with a Halifax All In One Credit Card
  • 0% for the first 13 months on balance transfers made in the first 90 days (3% fee).
  • 0% for the first 13 months on everything you buy with your Halifax All In One Credit Card.
  • No annual fee
  • Up to 59 days interest free credit on all purchases if the balance in full in paid off each month
  • Cover against online fraud when purchasing on the Internet
  • Card replacement if lost
  • Additional Cards available
  • Around the clock service
  • Choice of 5 card colours - Black, Pink, Red, White and Blue
Simply apply today and transfer your outstanding balances from other credit or store cards in the first 90 days and you'll pay 0% interest for a whole 9 months. All you pay is a 3% fee.


Representative Example:
  • Based on borrowing £1,200 and repaying over 12 months
  • The representative rate would be 17.9% APR (variable)
  • The purchase rate is 17.95% p.a. (variable)
Credit limits and interest rates will vary based on your individual circumstances.
Apply Now
What to consider when applying for a credit card - A credit card can be a convenient way to buy everyday items like shopping and petrol, and those one-off purchases like a holiday or a new TV. It can also be useful for those unexpected expenses like a boiler breakdown or car repairs.

As part of our commitment to helping you make an informed decision, here are some things to consider when applying for a credit card.
  • What features and benefits can I expect?
  • What commitment do I need to make?
  • Are there any risks?
  • What else should I think about before I commit?
  • What features and benefits can I expect?
A credit card is a flexible and convenient way of borrowing money in the short term. It can offer interest-free, short-term credit on purchases, as long as you always pay the balance in full and on time. It's a safe and versatile way to pay for goods and services and offers protection against fraud. Some credit cards allow you to transfer higher interest debt to a card with a lower interest rate, however, you may be charged a balance transfer fee for this service.

Your card limit is based on an assessment of your income and borrowing commitments. We'll tell you your limit after your application is accepted and this figure will appear on your monthly statements. If you prefer a lower limit, this can be reduced. After six months, we'll be happy to review your credit limit based on an assessment of your ability to pay the new amount.

We offer a variety of credit cards, all with different features and benefits as well as online servicing.

What commitment do I need to make?

Your biggest commitment is to pay back what you borrow plus any interest charged and stay within your credit limit. Each month you must repay at least the minimum payment on time as shown on your statement. You might want to consider how you'll manage if the unexpected happens, we offer insurance to protect your monthly payments. Please read the terms and conditions carefully so you understand how your credit card works.

Are there any risks?

Even if your card offers an interest-free period on purchases, if you don't pay your bill in full each month you will be charged interest on your purchases. By only paying the minimum each month, you pay more interest over a longer period and it takes longer to clear your balance. Interest charges will apply on any balance transfers, credit card cheques or cash withdrawals made on your credit card even if you pay your balance in full.

If you miss or make a late payment, you'll be charged a fee. To help avoid late payment fees, you can pay the minimum or full amount by Direct Debit each month. It's also important you keep within your credit limit to prevent incurring a charge. Click here for a list of charges. Missing a payment could also affect you credit rating which can make it difficult to obtain future credit.

What else should I think about before I commit?
If you need to take money out of a cash machine, remember that a credit card isn't a debit card and you'll be charged interest and a fee. If you withdraw cash overseas, you'll also incur an additional fee.

Don't forget, you can close your credit card account at any time - our products have no tie-ins. However, you must clear any outstanding balance first. When you apply for a credit card, we'll usually check your credit history with a credit reference agency. If you apply for lots of credit, this could have a negative impact on your credit rating.

Credit cards have many advantages but they may not be for you. If you don't have the money to pay for what you're buying and need extra funds, you might pay a lower rate of interest with an arranged overdraft or personal loan.

Card Security

Halifax Secure - Protect Yourself When Making Online Purchases
This is a free service which you can take advantage of by simply registering your credit card with Halifax Secure. Each time you use it to make an online purchase from a participating merchant you will be prompted to input your Halifax Secure password. The service provides an additional level of security to protect you from fraud in the online environment.

Chip and PIN
Protect yourself from fraudulent activity by using your PIN number for purchases.

Online Banking Security
We are committed to protecting you, with the latest technology to keep your details secure and dedicated teams to monitor online activity and intercept any suspicious transactions.

Nobody has ever lost any money from banking online with us. Thanks to our online fraud guarantee, you can be sure that you won't either, even if you do fall victim to fraud.

To be sure your accounts stay safe, you also need to look after your own security. Find out what you can do to protect yourself and your computer online, and how to avoid internet scams and dodgy emails.

Finally, check out the glossary for clear explanations of all the terms you'll come across.

Data Protection
When you apply for a credit card you will be given an opportunity to elect not to receive marketing information from us (whether about our own products and services or those offered by other suppliers). This does not apply to the features and benefits which form part of your credit card account. If you apply for a card which is endorsed by another organisation we may pass your personal data to that organisation. If you do not wish to receive marketing material from that organisation you must contact them.

General Credit Card Information
These pages and the credit cards offered on this site are for people who are resident and ordinarily resident in the UK. The information set out in these pages should not be regarded as an offer or invitation to sell financial products outside the UK. All credit facilities are subject to status and are available only to UK residents aged 18 or over. All credit cards offered through this site are issued by Bank of Scotland plc. Registered in Scotland No.SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ.

We may monitor and record telephone calls made to or from us to check what was said and to help us train our staff. Please note that some of our flat rate cards do not allow for an interest-free period. Please check carefully before you apply. The information contained within this important information section relates only to the credit cards available through this site and not to other Halifax or Bank of Scotland credit cards.

Bank of Scotland plc and St Andrew's Insurance plc are authorised and regulated by the Financial Services Authority. Halifax Insurance Ireland Limited and Halifax Assurance Ireland Limited are authorised by the Irish Financial Services Regulatory Authority and regulated by the Financial Services Authority for the conduct of UK business. Complaints we cannot settle may be referred to the Financial Ombudsman Service.

Bank of Scotland plc subscribes to the Banking Code - copies are available on request. For further information or to view the Banking Code, visit the British Bankers Association website.

Halifax Credit Cards are issued by Bank of Scotland plc, Registered in Scotland No.SC327000.
Registered Office: The Mound, Edinburgh EH1 1YZ.
Authorised and Regulated by the Financial Services Authority.

Credit facilities available subject to status to UK residents aged 18 or over.



This site is intended for UK residents unless otherwise stated. Halifax is a division of Bank of Scotland plc. Bank of Scotland plc, HBOS Investment Fund Managers Limited, Halifax Life Limited and Halifax Share Dealing Limited and St Andrew's Life Assurance plc are authorised and regulated by the Financial Services Authority, 25 The North Colonnade, Canary Wharf, London E14 5HS. They are entered in the Financial Services Authority's Register and their Register Numbers are 169628, 119223, 171881 and 183332 and 189101. This is an English language site, all contracts will be in the English language only. Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Copyright 2010. All rights reserved.
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** The UK Credit Card Centre has been designated as a Credit Intermediary under the Consumer Credit Directive(CCD) of 2011. The UK Credit Card Centre receives commissions from credit card referrals/applications and credit card sales. The UK Credit Card Centre is regulated by the Financial Services Authority (FSA).
Halifax Credit Cards - Whether you are looking for a credit card to make everyday purchases, to make a balance transfer or just a simple to use credit card, you can use the table below to find the card that is right for you.
Halifax Credit Cards
Featured Halifax Card
                         Representative Example
Logo
Name Purchase
Rate
Balance Transfer Rate Representative APR / Annual Interest Rate Maximum Credit Limit Fee/Fee Type Card Info Card Benefits Apply
Halifax All In One Halifax All In One Credit Card 0% for the first 15 months on everything you buy with your Halifax All In One Credit Card 0% for the first 15 months on balance transfers made in the first 90 days (3% fee) Representative example: 17.9% p.a. (variable) on card purchases, equivalent to 17.95% APR representative (variable) based on a credit limit of £1200 Subject to status No Annual Fee If you want a card that gives you a great introductory offer on both balance transfers and purchases then look no further. The All in One Credit Card offers a fantastic 0% for 15 months on purchases and on balance transfers (3% balance transfer fee applies).

Get More Details
Apply Now
Halifax Plus Halifax 20 Month Balance Transfer Credit Card 0% for 3 months on purchases 0% for up to 20 months on balance transfers* (3% fee applies) Representative example: 16.9% p.a. (variable) on card purchases, equivalent to 16.94% APR representative (variable) based on a credit limit of £1200 Subject to status No Annual Fee Switching your balance to the 20 Month Balance Transfer Card could help you save money, by giving you up to 20 months interest free on any amount you want to transfer, as long as it's an amount within your credit limit.

Get More Details
Apply Now
Halifax Credit Cards Halifax 17 Month Balance Transfer Credit Card 0% for 3 months on purchases 0% for up to 17 months on balance transfers* (3% fee applies) Representative example: 16.9% p.a. (variable) on card purchases, equivalent to 16.94% APR representative (variable) based on a credit limit of £1200 Subject to status No Annual Fee A simple, straight forward, 17 month interest free offer that could help you save money on any balances you transfer from another provider. 0% for the first 17 months on balance transfers (3% fee applies) 0% for the first 3 months on purchases.

Get More Details
Apply Now
Halifax All In One Halifax Balance Transfer Credit Card 0% for the first 3 months on all purchases 0% for the first 27 months on balance transfers up to 3,000* (3% fee applies) Representative example: 18.95% p.a. (variable) on card purchases, equivalent to 18.9% APR representative (variable) based on a credit limit of £1200 Subject to status No Annual Fee Halifax MasterCard offers including fantastic deals and discounts on travel, entertainment and shopping. A long introductory interest free period to help you manage your existing credit

Get More Details
Apply Now
 
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