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

Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.

Our Verdict

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.

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

Product Features & Benefits

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/Rewards (if applicable)	No cashback scheme
Account Fee	£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

Fees & Charges

Account Fee	£0
Late Payment	£ 12
Returned Payment	£ 0
Exceed Limit	£ 0
Duplicate Statement	£ 0
Replacement Card	£ 0
Trace Fee	£ 0
Cash Withdrawal Fee	5%
Cash Withdrawal Minimum Charge	£ 0
Foreign Usage EU	2.95%
Foreign Usage World	2.95%