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HBOS

Halifax 22 Month Balance Transfer Credit Card

Halifax 22 Month Balance Transfer credit card

Provider website

Available to those who are:

- Aged 18 or over
- UK resident
- Earn at least £20,000 a year

Please ensure you meet the above criteria before applying, or it could adversely affect your credit rating.

0% on balance transfers for 22 months (3.5% fee)

0% on purchases for 3 months

MasterCard select discounts and special offers

Internet fraud guarantee and fraud monitoring

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. Halifax is a division of Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ.

What's on offer?

Main summary of this credit card's rates, rewards and services.

Purchases:	Balance transfers:	Rewards:	Cardholder services:
0% for 3 months 17.95% p.a. variable thereafter	0% for 22 months 17.95% p.a. variable thereafter 3.5% transfer fee (£3.5 min) You must have an annual income of £20,000 or more to apply	Halifax MasterCard Offers	Online Account Management Fraud Guarantee Active Fraud Monitoring MasterCard SecureCode

Further details

A closer look at the rates, rewards and services of this credit card.

Please ensure you read the full terms and conditions and the summary box on the provider's website before applying for any product.

Please see below for more important information relating to the content of this page.

Application criteria

	Detail
Only apply if you are:	- Aged 18 or over - UK resident - Earn at least £20,000 a year

Interest rates

	Detail	Additional
Representative APR (variable)	17.9% APR	Rates dependent on individual circumstances. Based on a £1,200 credit limit.
Introductory Purchases	0% for 3 months	-
Introductory Balance Transfers	0% for 22 months	-
Standard Purchases	17.95% p.a. variable	Rates 17.95%, 21.95% or 23.95% p.a. variable.
Standard Balance Transfers	17.95% p.a. variable	Rates 17.95%, 21.95% or 23.95% p.a. variable.
Standard Cash Advances	27.95% p.a. variable	-

Fees and charges

	Detail	Additional
Balance Transfer fee	3.5% (£3.5 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.

Repayment details

	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	Payments will be allocated to balances with the highest interest rate before balances with lower interest rates.

Rewards and discounts

	Detail
Halifax MasterCard Offers	Select discounts on travel, entertainment and shopping.

Cardholder services

	Offered	Additional
Online account management		-
Fraud Guarantee		Cover against online fraud when purchasing on the Internet.
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.
Contactless Payments		-
Purchase Protection Insurance		-
Purchase Delivery Insurance		-
Travel Insurance		-
Travel Accident Insurance		-
Travel Inconvenience Insurance		-
Assistance Abroad		-
Emergency Card Replacement		-

Go to provider website

Please read the following notice:

This page is part of an advertisement of this product.

The information 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 content 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.

We aim to provide free reviews and comparisons of consumer products. To keep the site free, we are paid by some providers when new customers take products after they've clicked on our links. We don't allow our editorial content to be affected by those links, however we may not include all of the products available in the market.

Please read our full disclaimer for other important information that relates to the information and service we provide and your use of this site.

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