China Finance

Jun 7 2018

Halifax UK, Interest Free Balance Transfer Card, Credit Card, balance transfer fee credit card.#Balance #transfer


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No Fee 0% Balance Transfer.

  • If your application is successful you ll get a credit limit and any applicable promotional rates based on your current status
  • You can transfer balances to us (minimum 100) from most credit cards and some store cards, excluding Halifax products
  • To keep any promotional rates you must pay at least the minimum payment on time and stay within your credit limit
  • 0% for up to 29 months from account opening on balance transfers made in the first 90 days.

    Minimum 100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 29 months and a representative rate of 18.9% APR (variable). Others will get 0% interest on balance transfers for the first 14 months and a rate of 21.9% APR (variable) or 25.9% APR (variable).

  • 0% fee applies on each balance transfer made in the first 90 days.

    3% fee applies on each balance transfer made after the first 90 days.

  • 0% for 3 months from account opening on purchases.

Representative example

1,200 over 12 months.

We should be able to give you a decision within 5 minutes.

We should be able to give you a decision within 5 minutes.

Balance transfer fee credit card

Already have a Halifax Credit Card?

You may be eligible to apply for a second credit card with us. Excludes Student Credit Card customers, conditions apply.

Unfortunately, based on the information you gave us, we will not be able to offer you a credit card.

Based on the information you gave us, your eligibility score is 10% and you are unlikely to be approved for one of our credit cards.

Based on the information you gave us, your eligibility score is 20% and you are unlikely to be approved for one of our credit cards.

Based on the information you gave us, your eligibility score is 30% and you are unlikely to be approved for one of our credit cards.

Based on the information you gave us, your eligibility score is 40% and you are unlikely to be approved for one of our credit cards.

Based on the information you gave us, your eligibility score is 50% and you are likely to be approved for one of our credit cards.

Based on the information you gave us, your eligibility score is 60% and you are likely to be approved for one of our credit cards.

Based on the information you gave us, your eligibility score is 70% and you are likely to be approved for one of our credit cards.

Based on the information you gave us, your eligibility score is 80% and you are likely to be approved for one of our credit cards.

Based on the information you gave us, your eligibility score is 90% and you are very likely to be approved for one of our credit cards.

Based on the information you gave us, your eligibility score is 95% and you are very likely to be approved for one of our credit cards.

Based on the information you provided, we can offer you a credit card. This decision is only valid for this session; please complete the eligibility checker again if you do not want to apply now.

Based on the information you provided, we can offer you a credit card. This decision is only valid for this session; please complete the eligibility checker again if you do not want to apply now.

Based on the information you provided, we can offer you a credit card. This decision is only valid for this session; please complete the eligibility checker again if you do not want to apply now.

Will I be accepted?

See how likely you are to be accepted for a Halifax Bank credit card. Your credit rating will not be affected and there s no obligation to apply for a card afterwards.

Eligibility Checker

About your card

Here are some of the key features you get with your Halifax Credit Card

  • Cover against online fraud and your transactions are protected by Halifax Secure when you shop online with participating retailers.
  • Manage your card online using Online Banking and Mobile Banking app.
  • Make Faster Payments to your card within a matter of hours, giving you more flexibility and control over your finances.
  • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide.

What is a representative example?

The representative example is an illustration of the rate that the majority of customers will get. If a credit card is described as having a particular representative APR, then at least 51% of the applicants accepted will get that rate. Other customers may get a different rate based on their individual circumstances.

We use an example borrowing amount of 1,200 to calculate our representative example but in reality this figure could be different. This figure is not the credit limit you will be receiving and is for illustrative purposes only.

The purchase rate is the rate of interest you’ll be charged on purchases made with your credit card after any introductory offer has ended. A variable rate means that your interest rate may change over time.

Annual Percentage Rate (APR) tells you how much your borrowing will cost over an average year. It takes into account interest charged as well as any additional fees you’ll have to pay (such as any annual fees). This figure is given to allow you to make an easy and fair comparison between different credit cards.

How do we decide the APR you get?

We treat all applications on an individual basis. So the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history.

At least 51% of customers will get a representative rate of 18.9% APR (variable). Others will get a rate of either 21.9% APR (variable) or 25.9% APR (variable).

We should be able to give you a decision within 5 minutes.

Summary box

It s always good to know the exact details so here is a clear summary of all the key credit card features. The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

Rates from 18.9% APR to 25.9% APR, depending on individual circumstances.


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