Halifax | Balance transfer & purchase credit card

APR: 18.9% Representative
Intro purchase rate: 0% for 29 months
Purchase rate: 18.95%
OPTIOSCORE 45.2/100 
Balance transfers: 0% for 29 months
Balance transfer fee: 2.5%
Halifax | Balance transfer & purchase credit card customer reviews

2.3 out of 5 from 106 customer reviews

Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so when borrowing £1,200, the Representative APR will be 18.9% (variable).

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Halifax | Balance transfer & purchase credit card customer reviews

2.3 out of 5 from 106 reviews

Great card !

12:16 22-07-2017

via Smart Money People

A great card with great customer service I'm very happy .

Alexander Thompson

Great balance transfer rates

22:01 30-06-2017

via Smart Money People

Good long term deals even for existing customers

Steve

Great 0% term

18:02 30-06-2017

via Smart Money People

Easy to manage, longest 0% period around at the time on transfers

Morris Williams

Easy to apply and efficiently managed.

17:20 30-06-2017

via Smart Money People

Well managed, and kept up to date with being intrusive.

Helge Moll

Long Term Interest Free

09:19 30-06-2017

via Smart Money People

They hook you with a long term interest free card, you clear half of it, then they offer you the same deal again, giving more opportunity to clear my debt faster. Thank you

Andrew Garvie

Good balance transfer offer

18:34 22-06-2017

via Smart Money People

Completed application online, no additional documents needed as existing customer. Easy to see online & great app. Good customer service when asking queries.

Donna Scragg

Easy balance transfer

18:03 11-06-2017

via Smart Money People

It was a very easy credit card to take out and the balance transfer process was without hassle and free!

Alison Latham

Great card

20:19 08-06-2017

via Smart Money People

I was very hesitant to get a credit card but needed to improve my credit rating. This card is so easy to use and Halifax have amazing customer service which was great when I had any queries.

Grace O'Donovan

Great card

16:48 30-05-2017

via Smart Money People

I was able to transfer a sizeable amount of money at 0% interest for 18 month. Very worth while product.

David Scott

Good rate and easy to aplly

15:33 30-05-2017

via Smart Money People

Simple process and clear online banking

Philippa Reynolds

Our review of Halifax | Balance transfer & purchase credit card

Our review by Alex
Written by: Alex
Simplicity
11.5
Features
72.1
Consumer sentiment
50

Total OPTIOSCORE
45.2/100

The Halifax Balance Transfer & Purchase credit card has a reasonable representative APR of 18.9% and offers 0% on balance transfers up to 24 months. What’s more, if you complete the balance transfer within the first 90 days of opening the account then you’ll only have to pay a balance fee of 2.5%, after this it will go up to 3% which is fairly standard for the market. With the Balance Transfer & Purchase credit card from Halifax you’ll also receive 0% on purchases within the first 24 months as well.

Customers of the Halifax Balance Transfer & Purchase credit card can benefit from fraud protection online and can also manage the balance of the credit card using both online and mobile banking. This means that it’s easier to keep up to date with payments and can help you avoid the £12 charges if you have a late payment or go over your credit limit.

Although there aren’t any online reviews specifically for the Halifax Balance Transfer & Purchase credit card, the overall TrustPilot reviews for Halifax paint quite a negative picture. They’ve only been granted a rating of ‘bad’ and customers seem to be dissatisfied with their poor communication, high charges and declined applications – however, with this last one, we don’t know the personal circumstances of the applicant and so they may have been declined for another reason other than their credit score.

Overall verdict: The Halifax Balance Transfer Purchase card has a competitive representative APR and a 0% introductory period of 24 months is an attractive offering for those looking to transfer any existing balance. As with all credit cards be sure you’re disciplined with your repayments as once the introductory period is over you’ll be charged.

Highlights

  • Introductory balance transfer fee of 2.5%
  • Online fraud cover
  • Control over your balance with mobile and online banking
  • 0% on balance transfers for 24 months

Minimum criteria

  • You must be aged 18 or over
  • You need to be a UK resident
  • You must have a regular income
  • No bankruptcy, CCJs or IVA

About Halifax | Balance transfer & purchase credit card

The Halifax Balance Transfer & Purchase credit card requires a balance transfer of at least £100 from other credit cards and store cards. The representative APR for this card is 18.9% and the limit is dependent on your personal circumstances and previous credit history. Once the application has been completed Halifax will then decide the interest rate that you’re granted.

You’ll pay 0% on balance transfers for the first 24 months as long as Halifax are notified within the first 90 days of the account opening. To keep this rate you’ll need to ensure that you stay under the limit and pay off the at least the minimum payment each month. You will need to pay a fee of 2.5% for balance transfers within the 90 days and after that it will go up to 3%. Dependent on personal circumstances you could also be eligible for 0% on purchases within the first 24 months.

The Halifax Balance Transfer & Purchase credit card comes with cover against fraud when you shop online and is accepted in over 33 million locations worldwide as long as the MasterCard sign is displayed. Halifax also allow their customers to have control over their Halifax Balance Transfer & Purchase credit card via online and mobile banking and Faster Payments can be made to the card within a few hours.