Halifax World Elite Mastercard
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).
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 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.
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 | Cashback |
| Loyalty Scheme | Cashback |
| Incentive on opening | Travel benefits including Priority Pass and Airport Security Fast Track. |
| Cashback/Rewards (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 Fee | £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 |
Fees & Charges
| Account Fee | £15 monthly account fee |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 0 |
| Exceed Limit | £ 0 |
| Duplicate Statement | £ 0 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 5.00% |
| Cash Withdrawal Minimum Charge | £ 0 |
| Foreign Usage EU | 2.95% |
| Foreign Usage World | 2.95% |
Application Requirements
| Availability | Available to new customers. |
|---|---|
| Minimum Income | £ 0 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
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