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Halifax credit cards

Thinking of taking out a Halifax credit card? Read our guide to find out which kinds of credit cards are available.

Thinking of taking out a Halifax credit card? Read our guide to find out which kinds of credit cards are available.

Who is Halifax?

At Halifax, it always has been and always will be, all about people.

Halifax can help you with your everyday financial life and make it easy for you to manage your money. Halifax knows about the ups and downs of life, and that a credit card could help you manage your money by letting you spread the cost of your everyday spending or help you pay for any unexpected expenses.

In addition to credit cards, Halifax offers a full range of personal banking services including current accounts, savings accounts, mortgages, and loans.

Which is the best Halifax credit card for me?

Halifax has a wide range of credit cards to choose from. The best one for you will depend on what you want to use the card for and your individual financial situation.

Cashback credit cards

Cashback credit cards give you a percentage of your annual spending back each year. The Halifax Cashback credit card gives you cashback on purchases, while the Halifax World Elite Mastercard offers cashback plus additional travel perks. But it charges a monthly fee.

Interest rates can be higher on rewards cards, so this type of card may only be suitable if you’re confident you can pay off your balance in full each month.

Balance transfer credit cards

Moving your existing credit or store card balances to a single credit card could reduce the cost of your borrowing and help make managing your finances easier. You’ll have to pay a transfer fee to move your cards to a Halifax balance transfer card though.

Everyday spending credit cards

If you want to keep things simple, you could use an everyday spending card for shopping, bills and other day-to-day expenses.

This type of card usually comes with a low interest rate on purchases, but watch that you don’t overspend.

Large purchases credit cards

This type of card could be an option if you’re looking to spread the cost of larger one-off purchases, such as a new washing machine or boiler, instead of paying upfront. It usually comes with a low introductory interest rate, so aim to clear the balance before the offer ends.

Travel credit cards

If you’re a regular traveller, travel credit cards usually have no foreign exchange fees and could help you manage your spending when you’re abroad. You won’t have to worry about hefty charges, although you will be charged interest on ATM withdrawals until you pay back the money.

Why choose Halifax?

Halifax credit cards come with a few features to help make managing your money easier. You can keep track of your credit card with Halifax’s mobile app, which includes 24/7 help and support.

Eligibility

To be eligible for Halifax credit cards, you’ll need to:

  • Be at least 18 years old
  • Be a UK resident
  • Be free from county court judgments (CCJs), individual voluntary arrangements (IVAs) and bankruptcy
  • Have a regular annual income
  • Not be a student or unemployed
  • Not have been declined for a Halifax credit card within the last 30 days.

Are there any charges?

You may be charged a fee for:

  • Late or missed payments
  • Paying less than the minimum amount owed by the due date
  • Going over your credit limit
  • Returned payments.

You might also be charged a fee for transfers, cash advances and overseas transactions, while an annual fee might apply to some credit cards.

Why compare credit cards with Compare the Market?

Check eligibility quickly

See credit cards you may be eligible for in under 4 minutes[1]

Find out what credit cards you could be eligible for

Without it impacting your credit score

See credit cards from a wide range of providers

We compare credit cards from 17 lenders[1]

[1] Correct as of December 2023.

Compare the Market Limited acts as a credit broker, not a lender. To apply you must be a UK resident and aged 18 or over. Credit is subject to status and eligibility.

How well is Halifax reviewed on Trustpilot?

In February 2024, Halifax was rated 1.5 on Trustpilot.

See Halifax’s current Trustpilot rating.

 

Frequently asked questions

How long does it take to get a Halifax credit card?

If you’re approved for a Halifax credit card, your PIN will be posted to you within five working days. Your new credit card will then follow separately and should arrive at your address within seven working days.

Can I get a Halifax credit card with bad credit?

You won’t be approved for a Halifax credit card if you’re bankrupt, in an individual voluntary arrangement or have county court judgments for debt or defaults.

How to contact Halifax?

You can phone Halifax’s customer services team on 0345 944 4555 between 8am and 8pm, seven days a week – except bank holidays.

Alternatively, you can message or call customer support directly through the Halifax mobile banking app, or write to Halifax, PO Box 548, Leeds, LS1 1WU.

How do I apply for a Halifax credit card?

You can apply for a Halifax card online. However, before you make a full application, it’s worth checking which credit cards you’re most likely to be accepted for.

Our credit card eligibility checker will show you your chances of approval without affecting your credit score, so you can compare and see if there are any cards you want to apply for.