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Halifax Credit Cards

10 CARDS

Halifax, a member of Lloyds Banking Group, provides a range of credit cards designed for various financial needs. Options include the Halifax Clarity card with low interest rates, perfect for travel, and the World Elite Mastercard option with exclusive benefits. With robust digital banking tools, Halifax enables customers to manage their accounts securely through both online banking and a customer-friendly mobile app.

Halifax

Purchase & Balance Transfer

4.0

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 17 months, then 24.94% (variable) p.a.

Balance Transfers

0% for 17 months, then 24.94% (variable) p.a. (2.99% fee for 3 months)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.94% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.0

OUR RATING

Quick Look

The Halifax Purchase & Balance Transfer credit card offers up to 17 months of 0% interest on both purchases and balance transfers. It’s a well rounded option for those looking to spread the cost of new spending or consolidate existing balances within an interest free period.

Issuer Halifax
Network Mastercard
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening 0% for up to 17 months on purchases and balance transfers (transfers must be made within the first 90 days).
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 17 months, then 24.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 17 months, then 24.94% (variable) p.a. (2.99% fee for 3 months)
Balance Transfer Fee (%) 5.00%
Cash Advances 24.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 0.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Halifax

Cashback Credit Card

3.5

OUR RATING

Representative APR

22.9% APR (variable)

Purchases

22.94% (variable) p.a.

Balance Transfers

22.94% (variable) p.a. (5% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 22.94% (variable) p.a., most accepted customers get a rate of 22.9% APR (variable).

3.5

OUR RATING

Quick Look

The Halifax Cashback credit card comes with no annual fees and offers a straightforward cashback scheme. It is suitable for individuals looking for a simple rewards credit card without ongoing costs.

Issuer Halifax
Network Mastercard
Primary Category Cashback
Loyalty Scheme Cashback
Incentive on opening Cashback earnings of 0.25% on card purchases
Cashback rate (if applicable) 0.25% cashback on card purchases. The total cashback amount is usually credited to your credit card account to reduce the balance but is not counted towards your minimum repayment.
Account Fees £0
Purchases 22.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 22.94% (variable) p.a. (5% fee)
Balance Transfer Fee (%) 5.00%
Cash Advances 22.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 0.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Halifax

Clarity Credit Card

3.1

OUR RATING

Representative APR

23.94% (variable) p.a.

Purchases

23.94% (variable) p.a.

Balance Transfers

23.94% (variable) p.a. (no fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 23.94% (variable) p.a., most accepted customers get a rate of 23.9% APR (variable).

3.1

OUR RATING

Quick Look

The Halifax Clarity Credit Card is a no frills option with no annual fees and no fees on foreign transactions. It’s suitable for travellers seeking a straightforward credit card that avoids additional charges when spending abroad.

Issuer Halifax
Network Mastercard
Primary Category Purchases
Loyalty Scheme
Incentive on opening None
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 23.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 23.94% (variable) p.a. (no fee)
Balance Transfer Fee (%) 0.00%
Cash Advances 23.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 0.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Halifax

Credit Card Mastercard

4.4

OUR RATING

Representative APR

10.9% APR (variable)

Purchases

10.94% (variable) p.a.

Balance Transfers

10.94% (variable) p.a. (0% fee for the first 90 days)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 10.94% (variable) p.a., most accepted customers get a rate of 10.9% APR (variable).

4.4

OUR RATING

Quick Look

The Halifax Credit Card Mastercard offers a low APR and no fees on balance transfers made within the first 90 days. It may be suitable for individuals seeking to manage existing debt cost-effectively.

Issuer Halifax
Network Mastercard
Primary Category Purchases
Loyalty Scheme
Incentive on opening 0% balance transfer fee if transfer is done within the first 90 days
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 10.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 10.94% (variable) p.a. (0% fee for the first 90 days)
Balance Transfer Fee (%) 5.00%
Cash Advances 10.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 0.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Halifax

Longest 0% Balance Transfer

4.6

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 6 months, then 24.94% (variable) p.a.

Balance Transfers

0% for 27 months, then 24.94% (variable) p.a. (3.49% for 3 months)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.94% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.6

OUR RATING

Quick Look

The Halifax Longest 0% Balance Transfer credit card offers up to 27 months of 0% interest on balance transfers, making it one of the longer balance transfer options currently available. It may suit individuals looking to spread repayments on existing debt over a longer period without incurring interest.

Issuer Halifax
Network Mastercard
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening 0% interest on Balance Transfers for 27 months
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 6 months, then 24.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 27 months, then 24.94% (variable) p.a. (3.49% for 3 months)
Balance Transfer Fee (%) 5.00%
Cash Advances 24.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 0.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Halifax

World Elite Mastercard

3.9

OUR RATING

Representative APR

55.0% APR (variable)

Purchases

22.94% (variable) p.a.

Balance Transfers

22.94% (variable) p.a. (5% fee)

Account Fees

£15 monthly account fee

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 22.94% (variable) p.a., and a fee of £15 per month, most accepted customers get a rate of 55.0% APR (variable).

3.9

OUR RATING

Quick Look

The Halifax World Elite Mastercard is designed for high earners and frequent spenders seeking premium benefits. It offers features tailored to frequent travellers, making it suitable for those who travel often and want enhanced rewards and perks.

Issuer Halifax
Network Mastercard
Primary Category Cashback
Loyalty Scheme Cashback
Incentive on opening Travel benefits including Priority Pass and Airport Security Fast Track.
Cashback rate (if applicable) 0.5% cashback on purchases totalling up to and including £15,000 in each anniversary year from account opening. 1% cashback on purchases totalling over £15,000 in each anniversary year from account opening. Travel benefits including Priority Pass and Airport Security Fast Track.
Account Fees £15 monthly account fee
Purchases 22.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 22.94% (variable) p.a. (5% fee)
Balance Transfer Fee (%) 5.00%
Cash Advances 22.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 0.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Showing all 6 credit cards

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