Halifax offers credit cards across six categories: cashback, a premium World Elite Mastercard, everyday spending, large purchases, balance transfer, and travel (the Clarity Card). For most categories other than cashback and World Elite Mastercard, Halifax doesn't publish a single representative APR — instead, cards are shown individually through Halifax's free eligibility checker, personalized to your circumstances, without affecting your credit score.

The Halifax brand is changing to Lloyds. Halifax and Lloyds are both part of Lloyds Banking Group, and existing Halifax credit cards will eventually be replaced with Lloyds-branded cards — Halifax says customers will be notified when this happens. Existing terms, PINs, repayment methods, and statement dates are unaffected. Halifax credit cards are also being migrated from Mastercard to Visa as part of a wider Lloyds Banking Group network change — the Clarity Card's own current card design confirms it is now issued on Visa.

Always make sure you can afford repayments.

ClearScore is a credit broker, not a lender.

Everyday Cashback: Halifax Cashback Credit Card

The Halifax Cashback Credit Card earns 0.25% cashback on all card purchases, applied to the account once a year, every January (unlike many cashback cards, which pay out monthly). There's no monthly account fee.

Note: carrying a balance on a cashback card means paying interest at the card's standard rate, which can outweigh the cashback earned.

Representative example: Representative 23.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 23.9% p.a. (variable) with no annual fee.

Pros

• 0.25% cashback on all purchases

• No monthly account fee

• Cashback Extras: up to 15% additional cashback with selected retailers (for those with a linked Halifax bank account)

Cons

• Cashback is paid annually, not monthly

Premium Travel Perks: Halifax World Elite Mastercard

The Halifax World Elite Mastercard earns 0.5% cashback on purchases up to £15,000 in each anniversary year, rising to 1% on spending above that threshold, for a £15 monthly account fee. Cardholders also get Priority Pass access to over 1,300 airport lounges worldwide, Airport Security Fast Track at participating airports, and Mastercard Priceless experiences. There are no foreign exchange fees on card purchases. An additional cardholder can be added at no extra cost, sharing both the travel benefits and contributing to cashback.

Representative example: Representative 55.0% APR variable. Based on an assumed borrowing of £1,200 at a purchase rate of 22.94% p.a. (variable) and a £15 monthly account fee.

Pros

• 0.5%/1% cashback tiers (1% above £15,000/year spend)

• No foreign exchange fees on purchases

• Priority Pass airport lounge access (1,300+ lounges)

• Airport Security Fast Track and Mastercard Priceless

• Free additional cardholder

Cons

• £15 monthly account fee, regardless of spend

• Cash withdrawal fees and interest still apply, despite the premium positioning

• A fee applies for extra guests at Priority Pass lounges and Airport Security Fast Track

Travel: Halifax Clarity Card

The Halifax Clarity Card charges no non-sterling purchase fees and no cash withdrawal fees when used abroad. The card is now issued on the Visa network, following Halifax's ongoing migration away from Mastercard. Purchases carry a standard interest-free period of up to 56 days if the balance is paid in full; cash withdrawals accrue interest immediately, with no grace period, regardless of when the balance is repaid.

Representative example: Representative 23.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 23.9% p.a. (variable) with no annual fee.

Pros

• No non-sterling purchase fees

• No cash withdrawal fees (though interest still applies)

• Up to 56 days interest-free on purchases, if paid in full

• Section 75 protection on purchases £100–£30,000, including outside the UK

Cons

• No grace period on cash withdrawals — interest accrues from the date of withdrawal

• Some third-party cash machines may still charge their own withdrawal fee

Halifax Card for Everyday Spending

Halifax's Everyday Spending category is aimed at day-to-day budgeting — groceries, fuel, and regular bills — and typically carries a lower interest rate on purchases than other categories. Rather than one named product, Halifax shows available options and their personalized rates only after completing its free eligibility checker.

Summary

• Typically a lower interest rate on purchases than other Halifax card categories

• Rate and credit limit shown only via the eligibility checker

• No monthly fee (varies by specific card shown)

Halifax Card for Spreading a Large Purchase

Halifax's Large Purchase category offers an introductory interest rate on card purchases specifically, letting a large one-off cost be spread over several months. As with Everyday Spending, the exact rate, introductory period, and credit limit are personalized and only shown through the eligibility checker.

Summary

• Introductory rate on purchases specifically (higher rates may apply to transfers or other transaction types on the same card)

• Designed for purchases that may be repaid over an introductory-rate period

• Rate, period and credit limit vary and are shown only via the eligibility checker

Halifax Card for Consolidating Debt: Balance Transfer

Halifax's balance transfer cards accept transfers from other UK credit or store cards carrying a Mastercard, American Express, or Visa logo. The minimum transfer is £100, and up to 93% of the credit limit can be transferred (the remaining 5% headroom accounts for fees and any pending transactions). Once approved, transfers are typically completed by the next working day, but can't be cancelled and any fee paid can't be refunded. As with Everyday Spending and Large Purchase, the specific rate and introductory period are personalized via the eligibility checker.

Summary

• Accepts transfers from Mastercard, American Express, or Visa cards

• £100 minimum transfer; up to 93% of credit limit

• Transfers complete by the next working day once approved, but can't be cancelled

• Introductory rate and credit limit shown only via the eligibility checker

Halifax Card for Overseas Travel: Halifax Clarity Credit Card

The Halifax Clarity Credit Card remains a stalwart travel card to use abroad since you can use it overseas without paying a fee on foreign transactions. This applies to both purchases (e.g., at a restaurant) and cash withdrawals from ATMs.

This doesn't mean ATM withdrawals don't cost you anything, though. Some ATMs will charge their own fee for use of the machine, which is not related to Halifax. While ATM withdrawals won't incur a fee from Halifax, they will be charged interest, however. Interest charges on cash transactions start accruing immediately, so you can limit this cost by going online to pay back any ATM withdrawals as soon as possible.

Pros

• No fees on non-sterling ATM withdrawals or transactions abroad

• Lower-than-average 23.9% interest rate on cash withdrawals (variable)

Cons

• No interest grace period on ATM withdrawals

Halifax Eligibility Criteria

To apply for any Halifax credit card, you must:

• Be a UK resident, aged 18 or over, with a regular annual income

• Be free of County Court Judgments (CCJs), Individual Voluntary Agreements (IVAs), and bankruptcies

• Not be unemployed or a student

• Not have been declined for a Halifax credit card within the last 30 days

Halifax's free eligibility checker shows the likely interest rate and credit limit before a full application, without affecting your credit score.

Summary of Halifax Credit Cards

FAQs

Is Halifax becoming Lloyds? Halifax and Lloyds are both part of Lloyds Banking Group, and Halifax credit cards are gradually being replaced with Lloyds-branded cards over time. There's no fixed date for any individual cardholder — Halifax will notify customers when their card is due to change. Existing terms, features, and repayment arrangements are unaffected by the change.

Is the Halifax Clarity Card still on Mastercard? No — the Clarity Card is now issued on the Visa network, following a broader migration of Lloyds Banking Group credit cards away from Mastercard, announced in 2024 and rolled out through 2026.

What is Section 75 protection? Most Halifax credit card purchases over £100 and up to £30,000 are protected under Section 75 of the Consumer Credit Act 1974 — this applies even if the purchase is made outside the UK.

Who is Halifax? Halifax is a division of Bank of Scotland plc, part of Lloyds Banking Group.

ClearScore is a credit broker, not a lender.

Card details correct as of 02 September 2026. Terms, rates and features are subject to change — always verify current details before applying. This article is for general information only and does not constitute financial advice.