Features & benefits

If you earn £20,000 or more a year you can apply for this great 20 month interest free deal and switch your balance to Halifax.

• 0% for 20 months on balance transfers (3% fee applies)
  A long introductory interest free period to help you manage your existing credit
• 0% for the first 3 months on all purchases
  To help spread the cost of any new purchases
• Halifax MasterCard offers including fantastic deals and discounts on travel, entertainment and shopping.

Representative example:
A purchase rate of 16.94% p.a.(variable)	With a representative 16.9% APR(variable).	With an example credit limit of* £1,200
*Credit limits will vary based on your individual circumstances.

Unfortunately we can't accept your application if don't earn the £20,000 a year minimum.

Applying only takes a few minutes and you'll get an instant decision.

Please be aware to keep promotional rates you must pay at least the minimum payment by the due date and stay within your credit limit. Balance transfers can be made from most credit and some store cards, excluding other Halifax or Bank of Scotland products.

A little extra

Why choose Halifax?

At Halifax we're always looking at ways of giving our customers a little extra help.

That's why all our Credit Cards come with the following extras:

• Manage your card online using Online Banking and Mobile Banking services
• Transfers and payments done in hours, not days, with Faster Payments
• You're covered against online fraud on the Internet
• Card replacement service if you lose it
• No annual fees to pay
• No interest on purchases if you pay your balance in full by each payment date
• Accepted in 31 million locations (just look out for the MasterCard logo)
• Additional cards and card holders available
• Around the clock service
• And you can choose for from a selection of 5 card colours.

Your APR explained

As we treat all our customers and their applications on an individual basis, the APR we offer is determined by the details customers supply, along with an independent verification of credit and repayment history.

Your personal APR for purchases will be either 16.9% APR (variable), 21.9% APR (variable) or 23.9% APR (variable). Your interest rate for balance transfers will be the same as for purchases.

51% of customers are offered our best rate of 16.9% APR representative (variable).

Representative Example:

The purchase rate is 16.94% pa (variable) with a representative 16.9% APR (variable). With an example credit limit of £1,200

Credit cards explained

A credit card can be a convenient way to buy everyday items like shopping and petrol, and those one-off purchases like a holiday or a new TV. It can also be useful for those unexpected expenses like a boiler breakdown or car repairs. As part of our commitment to helping you make an informed decision, here are some things to consider when applying for a credit card.

What features and benefits can I expect?

A Halifax credit card is a flexible and convenient way of borrowing money in the short term. It's a safe and versatile way to pay for goods and services and offers protection against fraud. It will allow you to transfer higher rate credit and store cards to the card with the 0% promotional rate during the promotional period with a 3% fee for the service. Your card limit is based on your income and borrowing commitments. We'll tell you your limit after your application is accepted. You can reduce this if you like. After six months, if you would like to increase your limit, we'll be happy to review the amount of credit we can offer.

What commitment do I need to make?

Your biggest commitment is to pay at least the minimum payment on time as shown on your statement. You should think about what you'll do if the unexpected happens too. Please always read the terms and conditions to help you understand how your credit card works.

Are there any risks?

Even if your card offers an interest-free period on purchases, if you don't pay your bill in full each month you will be charged interest on your purchases. If you only pay the minimum each month, you'll pay more interest and take longer to pay off any money you borrowed. Interest charges will apply on any balance transfers (outside of the promotional terms), credit card cheques or cash withdrawals made on your credit card even when you pay your balance in full. If you miss or make a late payment, you'll be charged a fee.

What else should I think about before I commit?

Remember that a credit card isn't a debit card and if you use it to withdraw cash you'll be charged interest and a fee. Also if you withdraw cash overseas, you'll also incur an additional fee. Don't forget, you can close your credit card account at any time - our products have no tie-ins. However, you must clear any outstanding balance first. When you apply for a credit card, we'll usually check your credit history with a credit reference agency. If you apply for lots of credit, this could have a negative impact on your credit rating. Credit cards have many advantages but they may not be for you. If you don't have the money to pay for what you're buying and need extra funds, you might pay a lower rate of interest with an arranged overdraft or personal loan.