- Aged 18 or over
- UK resident
- Have a regular income
Please ensure you meet the above criteria before applying, or it could adversely affect your credit rating.
| Representative Example: 17.95% p.a. variable on purchases. This is equivalent to 17.9% APR representative variable based on a credit limit of £1,200. Bank of Scotland plc, The Mound, Edinburgh, EH1 1YZ |
 Purchases: |
 Balance transfers: |
 Rewards: |
 Cardholder services: |
|---|---|---|---|
| 0% for 15 months 17.95% p.a. variable thereafter |
0% for 15 months 17.95% p.a. variable thereafter 3% transfer fee (£3 min) |
Halifax MasterCard Offers | Online Account Management Internet Fraud Guarantee Active Fraud Monitoring MasterCard SecureCode |
Please read this first:
This review is based on general information about how the product compares in the market, it shouldn't be taken as a recommendation or advice.
Please see below for more important information relating to the content of this page.
| Detail | |
|---|---|
| Only apply if you are: | - Aged 18 or over - UK resident - Have a regular income |
| Detail | Additional | |
|---|---|---|
| Representative APR (variable) | 17.9% APR | Rates dependent on individual circumstances. Based on a £1,200 credit limit. |
| Introductory Purchases | 0% for 15 months | The APR and length of the promotional offer are dependent on your personal circumstances. |
| Introductory Balance Transfers | 0% for 15 months | The APR and length of the promotional offer are dependent on your personal circumstances. |
| Standard Purchases | 17.95% p.a. variable | Rates 17.95% to 23.95% p.a. variable. |
| Standard Balance Transfers | 17.95% p.a. variable | Rates 17.95% to 23.95% p.a. variable. |
| Standard Cash Advances | 27.95% p.a. variable | - |
| Detail | Additional | |
|---|---|---|
| Balance Transfer fee | 3% (£3 min) | - |
| Cash Advance fee | 3% (£3 min) | - |
| Foreign fee | 2.95% | This fee is charged for transactions made in non-sterling currency. |
| Annual fee | None | - |
| Default charges | £12 | This charge is made for late payments, returned payments and exceeding the credit limit. |
| Detail | Additional | |
|---|---|---|
| Credit limit | £1,200 assumed | Credit limit is subject to status. |
| Interest free period | Not stated | Actual interest free period will be displayed on the statement. You won't pay interest on purchases if you pay your balance in full and on time each month. There is no interest free period on cash advances, balance transfers or cheques. |
| Minimum monthly payment | 1% (£5 min) | Each month in which you have a balance outstanding on your account you must repay an amount equal to the total of any Credit Card Repayments Cover premiums, interest, default sums plus 1% of the balance shown on your statement (minimum £5), or the full balance if less than £5. |
| Allocation of payments | Highest interest rates first | If you do not pay your balance in full Halifax will allocate your payments to balances with the highest interest rate before balances with lower interest rates. Full details will be provided by Halifax in the terms and conditions of the card. |
| Detail | |
|---|---|
| Halifax MasterCard Offers | Select discounts on travel, entertainment and shopping. |
| Offered | Additional | |
|---|---|---|
| Online account management |  |
The account can be managed online. |
| Internet Fraud Guarantee | |
As long as you follow the precautions, you won't be held liable for any online banking activity you haven't authorised. |
| Fraud Monitoring | |
- |
| Identity Protection |  |
- |
| Credit Report Access | |
- |
| 3D Secure | |
MasterCard SecureCode An extra layer of security when shopping online. Register and set up a password-protected identity-check when you shop online with participating online retailers. |
| OneTouch Payments | |
- |
| Purchase Protection Insurance | |
- |
| Purchase Delivery Insurance | |
- |
| Comprehensive Travel Insurance | |
- |
| Travel Accident Insurance | |
- |
| Travel Inconvenience Insurance | |
- |
| Assistance Abroad | |
- |
| Emergency Card Replacement | |
- |
Please read the following notice:
The review on this page is intended to provide general information only and does not attempt to give advice that relates to your specific circumstances. If you are unsure as to the suitability of any financial product, you should discuss this with an independent financial advisor.
While we make every effort to ensure and maintain current and accurate information on this site and the review on this page will be periodically updated inline with product changes, it could contain rates, deals or facts which have now changed and therefore should not be solely relied upon.
You should check the full details of any product with the relevant provider before applying, and you are advised to conduct your own research as well.
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