You want to get a credit card from Halifax and need to know the exact process.
This guide explains how to order one, what interest rates apply, and how to contact the bank.
What Halifax Offers
Halifax provides several credit cards designed for different customer needs.
You can apply for balance transfer, purchase, or cashback cards depending on your financial goals.
Halifax also offers an eligibility checker that allows you to see your chances before applying.
| Card Type | Typical Credit-Card Use | Representative APR / Features* | Key Benefits | Things to Check |
|---|---|---|---|---|
| Cashback Credit Card | Daily spending, regular purchases you’ll pay off | ~ 22.9% APR (variable) for many accepted customers. | Earn cashback on purchases; no annual fee in many cases. | If you carry a balance you may lose cashback benefit and pay interest. |
| Balance Transfer / Purchase + Balance Transfer Card | Moving existing debt or making a large purchase and spreading cost | 0% interest for a promotional period (e.g., up to 17 months), then ~ 24.9% APR (variable). | Allows you to transfer balances or make large purchases with low or no interest initially. | Watch how long the 0% period lasts, and the fee for transfers. |
| Everyday / Low-Rate Card | General use when you intend to carry some balance; want lower rate | Some offers as low as ~ 12.9% APR (variable) for selected customers. | Lower standard rate than many cards; simpler for regular use. | You may need a strong credit history and you might get less reward. |
| Travel / Overseas Spending Card | Spending abroad or cash advances abroad | Terms vary; one example: no foreign transaction fee on some spend. | Good for travel, avoids extra fees when spending overseas. | Check cash withdrawal fees abroad and what interest rate applies for cash advances. |
Interest Rates You Should Know
Halifax credit cards come with variable interest rates depending on the card type.
A representative APR of 22.9% (variable) applies to their cashback credit card.
Some balance transfer or purchase cards may offer 0% interest for up to 17 months, followed by a 24.9% variable APR.
Your actual rate depends on your credit history, income, and the card you qualify for.
Step-by-Step: How to Order Your Halifax Credit Card
To apply, you must be a UK resident aged 18 or older, have a regular annual income, and have no recent credit rejections.
- Check eligibility: Use Halifax’s online eligibility checker to see if you’re likely to be approved before submitting an application.
- Gather your information: Prepare your address history for the past three years, details of your annual income, and any existing debts or loans.
- Submit your application: Complete the online form through Halifax’s website. The bank will run a credit assessment based on your profile.
- Wait for approval: Once approved, Halifax will confirm your credit limit and interest rate.
- Receive and activate your card: You’ll get your new card by post within a few days. Activate it online, through the mobile app, or by phone.
- Start using responsibly: Always pay on time and keep track of your spending through the Halifax app or online banking.
If you already bank with Halifax, applying may be faster. Log in to your online banking or mobile app, go to “Credit Cards,” and select “Apply.”
Halifax can use your existing account information to speed up verification.
Contact Information and Address
Their customer service lines operate daily, with specific hours varying by department. Always keep your card or account details on hand when calling.
Phone (UK): 0345 720 3040
Phone (Outside UK): +44 113 242 1984
Postal Address: Halifax, 10 Carlton Street, Halifax HX1 2AL
Things to Check Before You Apply
Ensure you can pay at least the minimum monthly amount to avoid late fees. Note when 0% offers end and what rates apply afterward.
Applying too often or being declined may affect your credit rating.
Review alternative cards to ensure Halifax offers the most suitable deal for your situation.
Managing Your Credit Card
Once approved, you can manage your Halifax credit card easily through their online banking or mobile app.
You can view statements and recent transactions, set up direct debit for automatic payments, and adjust your credit limit after regular use.
Freeze or unfreeze your card instantly if it’s misplaced.
This gives you full control and helps you stay on top of payments and spending.
Tips for Responsible Use
A credit card can be a valuable financial tool if used wisely. Always pay off your balance in full when possible.
Track spending regularly to avoid overspending. Use alerts to monitor payment dates and limits.
Avoid cash withdrawals, as they often incur higher interest. Review your statement each month for accuracy.
Competitors
Here’s a comparison showing how Halifax credit cards stack up against similar products from competitors in the UK.
| Provider & Card | Representative APR / Typical Rate* | Key Feature(s) | Important Fee or Feature to Watch |
|---|---|---|---|
| Halifax – e.g., “Cashback Credit Card” | ~ 22.9% APR (variable) for many accepted customers. | Cashback on purchases, no annual fee in many cases. | If you carry a balance you’ll pay interest; actual rate depends on your credit profile. |
| Halifax – e.g., “Clarity Credit Card” (travel/overseas spending) | ~ 19.9%-27.9% APR (variable) depending on status. | No foreign transaction fees on purchases abroad. | Cash withdrawals abroad will incur interest from the day of withdrawal. |
| Barclays – “Barclaycard Rewards Credit Card” | ~ 28.9% APR (variable) according to one comparison. | No foreign transaction fee; 0.25% cashback on eligible spending. | High APR if you intend to carry a balance; reward rate modest. |
| Santander – “All in One Credit Card” | Representative ~ 29.8% APR (variable) in one listing. | 0% foreign transaction fees on purchases abroad; cashback (0.5%) on purchases. | Monthly fee (£3/month in cited example); important to check current terms. |
| Virgin Money – “Travel Credit Card” | ~ 24.9% APR (variable) in one review. | No foreign transaction fee on purchases; some intro cashback. | Cash withdrawals abroad still incur fees and interest from day one. |
Conclusion
Ordering a Halifax credit card is a simple process that starts with checking your eligibility and submitting an online application.
Once approved, you’ll receive your card in the mail and can activate it in minutes.
Use your card responsibly to make the most of its benefits and avoid unnecessary costs.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Rates, fees, and eligibility requirements may change without notice. Always confirm current terms directly with Halifax before applying or making any financial decision.
