In this brief guide, we will discuss the Halifax credit card, how to get the best credit card rates for yourself and how to manage your credit card.

Halifax credit card

Halifax has a host of credit cards which may be suited to you based on your circumstances and needs.

When looking for a Halifax credit card you can use the Halifax credit card eligibility checker to see if you will be accepted for a credit card before applying.

In reviewing the Halifax credit cards we looked to find specific reviews for each credit card but we couldn’t find any online. As these credit cars are provided by Halifax bank we have instead looked at some of the reviews from Halifax Bank customers.

Can you have 2 Halifax credit cards?

Yes, you can have a maximum of two Halifax credit cards. You can also have a maximum of five with Lloyds Banking Group (which also includes Bank of Scotland and Lloyds Bank).

Will Halifax increase my credit card limit?

Halifax may automatically increase your credit limit if you have indicated that they should. You would have done this when you signed up for the credit card.

You can also request a Halifax credit limit increase yourself. To request a Halifax credit card limit increase you will need a payment history of at least six months on your account. 

Can I withdraw cash on my Halifax credit card?

Yes, you can withdraw cash on your Halifax credit card but you may be charged a fee for withdrawing cash.

Can you pay Halifax credit card online?

Yes, you can pay your Halifax credit card online by signing into online banking and clicking the “pay credit card button”.

You can also pay your Halifax credit card through the Halifax mobile banking app by clicking the ‘Make a Payment’ from the menu button next to your card.

How do I close my Halifax credit card?

If you want to close your Halifax credit card you can either call Halifax directly on 0345 944 4555 and inform them that you wish to close your credit card.

They should write to you within days confirming that your credit card has now been closed.

How long does it take for Halifax credit card to arrive?

The Halifax credit card may take as long as 7 working days to arrive and your pin will usually arrive within 5 working days. If your card hasn’t arrived within two days of your PIN, please call Halifax on 0345 606 2172.

The Halifax credit cards on offer could be broken down into five main baskets.

Balance transfer credit cards:

These are cards which you can transfer credit card debt from other cards on to, ideally at a cheaper rate or with a 0% balance transfer introductory period.

Large purchases:

This could be a card with a very high limit which allows you to make large purchases such as cars, home improvement or even family holidays.

Everyday spending:

The everyday spending credit card would be a purchase credit card which offers the benefits of any other credit card out there.

Travel credit cards:

Halifax has a credit card which allows you to spend fee-free abroad

All-rounder cards:

These cards combine the features above allowing you to use the card as you please.

Examples of Halifax credit cards

Below are the different Halifax credit cards available

Halifax credit card: 0% Purchase and Balance Transfer- 20 Month Purchase and Balance Transfer

The main features of this Halifax credit card are:

Balance transfer offer


0% for up to 20 months
on balance transfers made within 90 days of account opening
Balance transfer fee




3%
on balance transfers made within 90 days of account opening.
Purchase rate offer
0% for 20 months
from account opening


Representative example
A variable representative of19.9% APRA variable annual purchase rate of19.95% p.a.Based on borrowing£1,200 over 12 months
Annual feeNo annual fee
Cash transactions (any currency3% or minimum £3.
Introductory balance transfer fee3% of the amount of each balance transfer you make within the first 90 days of opening your account.
Introductory money transfer feeNot applicable.
Non-introductory balance transfer fee3% of transfer (min £3).
Non-introductory money transfer fee3% of transfer (min £3).
Payment scheme exchange rate    Indicative rates can be found at Mastercard Currency Conversion Tool.
Non-Sterling Transaction fee.2.95% of the amount of the sterling transaction value.
Cash transaction fee 3% minimum £3.
Late Payment charge£12

Overlimit charge
£12

The credit limits and interest you may be offered on this Halifax credit card will vary based on your personal circumstances. You can view more details about this Halifax credit card here.  

Halifax credit card: Our Longest 0% Balance Transfer- 29 Month Balance Transfer

The main features of this halifax credit card are:

Balance transfer offer0% for up to 29 months
on balance transfers made within 90 days of account opening
Balance transfer fee3%
on each balance transfer made.
Purchase rate offer0% for 3 months
from account opening
Representative exampleA variable representative of19.9% APRA variable annual purchase rate of19.95% p.a.Based on borrowing£1,200over 12 months
Annual feeNo annual fee
Cash transactions (any currency3% or minimum £3.
Introductory balance transfer fee3% of the amount of each balance transfer you make within the first 90 days of opening your account.
Introductory money transfer feeNot applicable.
Non-introductory balance transfer fee3% of transfer (min £3).
Non-introductory money transfer fee3% of transfer (min £3).
Payment scheme exchange rate    Indicative rates can be found at Mastercard Currency Conversion Tool.
Non-Sterling Transaction fee.2.95% of the amount of the sterling transaction value.
Cash transaction fee 3% minimum £3.
Late Payment charge£12

Overlimit charge
£12

The credit limits and interest you may be offered on this halifax credit card will vary based on your personal circumstances. You can view more details about this Halifax credit card here.

Halifax Credit card: Clarity Credit Card

Halifax markets this card as a card you can travel abroad with on one simple rate and no fees for using the card.

The main features of this halifax credit card are:

No fees for using your card anywhere worldwide (interest charges apply)

No fees for withdrawing cash (interest charges apply and some ATM providers may charge a fee)
Representative exampleA variable representative of19.9% APRA variable annual purchase rate of19.95% p.a.Based on borrowing£1,200 over 12 months
Annual feeNo annual fee
Cash transactions (any currencynone
Promotional balance transfer fee3% of transfer (min £3).
Promotional  money transfer fee3% of transfer (min £3).
Non-promotional balance transfer fee0% of transfer 
Non-promotional money transfer fee0% of transfer
Payment scheme exchange rate    Indicative rates can be found at Mastercard Currency Conversion Tool.
Non-Sterling Transaction fee.2.95% of the amount of the sterling transaction value.
Cash transaction fee 3% minimum £3.
Late Payment charge£12

Overlimit charge
£12

The credit limits and interest you may be offered on this halifax credit card will vary based on your personal circumstances. You can view more details about this Halifax credit card  here.

Halifax credit card: Low Fee 0% Balance Transfer- 25 Month Balance Transfer

The main features of this halifax credit card are:

Balance transfer offer0% for up to 25 months
on balance transfers made within 90 days of account opening
Balance transfer fee1%
on balance transfers made within 90 days of account opening
Purchase rate offer0% for 12 months
from account opening.
Representative exampleA variable representative of19.9% APRA variable annual purchase rate of19.95% p.a.Based on borrowing£1,200 over 12 months
Annual feeNo annual fee
Cash transactions (any currency3% or minimum £3.
Introductory balance transfer fee1% of the amount of each balance transfer you make within the first 90 days of opening your account.
Introductory money transfer feeNot applicable.
Non-introductory balance transfer fee3% of transfer (min £3).
Non-introductory money transfer fee3% of transfer (min £3).
Payment scheme exchange rate    Indicative rates can be found at Mastercard Currency Conversion Tool.
Non-Sterling Transaction fee.2.95% of the amount of the sterling transaction value.
Cash transaction fee 3% minimum £3.
Late Payment charge£12

Overlimit charge
£12

The credit limits and interest you may be offered on this halifax credit card will vary based on your personal circumstances. You can view more details about this Halifax credit card here.

Halifax Credit card: FlexiCard Credit Card

Halifax offers the Flexicard credit card with one simple low rate, and you can set up instalment plans online to help manage your credit card balance repayment.

The main features of this Halifax credit card are:

Instalment plans over 2 to 36 months for your eligible balance

A low representative rate of 9.9% APR (variable)

0% fee on balance transfers made within the first 90 days
Representative exampleA variable representative of9.9%APRA variable annual purchase rate of9.95% p.a.Based on borrowing£1,200 over 12 months
Annual feeNo annual fee
Cash transactions (any currency3% or minimum £3.
Introductory balance transfer fee0% of the amount of each balance transfer you make within the first 90 days of opening your account.
Non-introductory balance transfer fee3% of transfer (min £3).
Payment scheme exchange rate    Indicative rates can be found at Mastercard Currency Conversion Tool.
Non-Sterling Transaction fee.2.95% of the amount of the sterling transaction value.
Cash transaction fee 3% minimum £3.
Late Payment charge£12

Overlimit charge
£12

The credit limits and interest you may be offered on this halifax credit card will vary based on your personal circumstances. You can view more details about this Halifax credit card here.

Halifax credit card: No Fee 0% Balance Transfer- 15 Month Balance Transfer

The main features of this halifax credit card are:

Balance transfer offer0% for up to 15 months
on balance transfers made within 90 days of account opening
Balance transfer fee
0%
on balance transfers made within 90 days of account opening.
Purchase rate offer0% for 6 months
from account opening
Representative exampleA variable representative of19.9% APRA variable annual purchase rate of19.95% p.a.Based on borrowing£1,200 over 12 months
Annual feeNo annual fee
Cash transactions (any currency3% or minimum £3.
Introductory balance transfer fee0% or 3% of the amount of each balance transfer you make within the first 90 days of opening your account.
Introductory money transfer feeNot applicable.
Non-introductory balance transfer fee3% of transfer (min £3).
Non-introductory money transfer fee3% of transfer (min £3).
Payment scheme exchange rate    Indicative rates can be found at Mastercard Currency Conversion Tool.
Non-Sterling Transaction fee.2.95% of the amount of the sterling transaction value.
Cash transaction fee 3% minimum £3.
Late Payment charge£12
Overlimit charge£12

The credit limits and interest you may be offered on this halifax credit card will vary based on your personal circumstances. You can view more details about this Halifax credit card here.

Advantages of a Halifax credit card

Credit cards have payment protection cover:

Due to the consumer credit act all goods purchased using a credit card which are over £100 are covered by the payment protection scheme. This means if goods are faulty or were not delivered, then your credit card provider must refund you. This cover does not apply to two separate transactions not amounting to £100 separately, even if they were bought in the same store.

credit cards help build your credit score:

Credit cards help build your credit score as they reflect how often you repay your monthly credit card debt on your credit file. They also reflect your credit utilization( this is how much credit you use in relation to your credit limit) and a low credit utilization will aid your credit score whilst utilizing your credit to its limit will reflect negatively on your credit file.

Disadvantages of a Halifax credit card

As with all credit cards, credit card APR compounds and this means you can end up building up credit card debt much faster than you thought. You should always try and clear your credit card balance in full.

What to consider when getting your Halifax credit card?

Whilst the Halifax credit card may be right for you, there could also be other potential credit cards which suit you better. It is always advisable to use a credit card eligibility checker 

Which provides you with all the credit cards you may be eligible for outside of the Halifax credit card.

When comparing multiple credit cards; below are the things you should look out for before applying.

Eligibility

Each card issuer will have its own lending criteria that  you will need to meet before they will provide you with an offer of credit. 

There are now credit card eligibility checker platforms which let you know which credit cards you are eligible for and which you have a high probability of getting on application. 

Most credit card providers now have their own credit card eligibility systems in place which will let you know if you will be approved for a credit card with them or not. 

These tools use a soft credit check t pull your credit file data and hence does not leave any footprints which are visible to the public or harm your credit score.

You should avoid applying for a credit card if you are not confident you will be accepted as rejections for credit could damage your credit score and history. This may then affect your ability to get further credit in the future.

Interest rates

When getting a credit card, the interest rates on the credit card are a very important factor and you should always lookout for the APR figure. 

The interest rates on the credit card are the rates that will be charged on any outstanding credit card balance which you carry over from one month to another.If you pay your credit card balance in full each month then you will not have any interest to pay.

Credit cards typically come with up to 55 interest-free days on purchases if you don’t carry a balance month-to-month.

Credit limits

You should look at the credit Credit limits when choosing a credit card provider as the credit card limits will determine how much you can spend on your credit card. Most credit card providers may offer you a credit limit increase if you can show good credit behavior over a few months.

Rewards and perks

Credit card providers offer various rewards and perks but usually, these are reserved for applicants with high credit scores.

Fees

Some credit card providers will have annual fees on their credit cards but these are usually for credit cards with high credit card limits and lots of rewards or perks.

You should always check what fees are attached to your credit card.These can include annual or monthly account fees, cash advance (withdrawing cash using the card) fees, overseas transaction fees and others.

How to get your Halifax credit card

To get your Halifax credit card, check to see if you have a credit score first.

If you are unsure of what your credit score is then you should check your credit score from the four credit bureaus in the UK: Experian, Crediva, Equifax and Transunion.

Some of these credit bureaus may charge you a fee to view your credit report so what you can alternatively do is request a statutory credit report which is a free credit report which each credit bureau must provide to you upon you requesting it.

Alternatively you can also use credit score services such as Checkmyfile and clearscore to check your credit report.

Once you have done this you should then check on a credit card eligibility platform to see what credit cards you are eligible for and then apply for the best credit card. This may be the Halifax credit card or it could be another credit card from a different provider which suits you better.

In this brief guide, we discussed the Halifax credit card. If you have any further comments please let us know.

John Bate

John has 22 years of experience in financial services. This spans across financial research, financial services (As a qualified mortgage broker and underwriter), financial trading and sales at global investment banks. While working as a publishing research analyst, he covered European bank credit and advised institutional clients on investment strategies at both JP Morgan and Societe Generale. John has passed all three levels of the CFA (Chartered Financial Analyst) programme.