Which? uses cookies to improve our sites and by continuing you agree to our cookies policy

Back to table

Halifax 29 Month Balance Transfer and Purchase Credit Card

Halifax 29 Month Balance Transfer and Purchase Credit Card

? customer score 68%

Represent­ative APR (variable) Purchase interest p.a. Cash withdrawal APR Annual card fee
The interest rate for borrowing that at least 51% of the customers accepted will pay.
The annual interest rate you'll pay on new purchases.
The interest rate you'll pay on cash you withdraw from an ATM.
The fee you'll pay for having the card each year, if any.
18.9% APR 18.95% 18.95% £0

Reward scheme details

0% for up to the first 29 months from account opening on both purchases and balance transfers made in the first 90 days. You may be eligible to apply for a second credit card with us. Conditions apply. Manage your card online using Online Banking and Mobile Banking service. Fraud protection. Faster payments to your card giving more flexibility and control.

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.95% (variable), representative 18.9% APR (variable). Credit available subject to status.

Halifax customer satisfaction scorecard:

How do we work this out?
Keeping you up to date with new deals Transparency of charges / penalties Online account management Customer service Overall customer score



We have not been able to rate this provider as our customer satisfaction survey didn't generate a big enough sample of its customers but we aim to rate as many providers as possible

Eligibility to open an account

Can be used for building credit rating No
Minimum income required to open account Not provided
Opening account is by invitation only No
Account is for existing customers only No
Further notes about eligibility N/A
Minimum age to open an account 18

Intro balance transfers

Rate period 29 months
Annual interest 0.0%
Fee 2.5%
Fee min N/A
Fee max N/A
Limit period days 90

Intro purchases

Rate period 29 months
Annual interest 0.0%

Standard balance transfers

Annual interest 18.95%
Fee 3.0%
Fee min £3
Fee max N/A

Standard purchases

Annual interest 18.95%

Standard cash

Annual interest 18.95%

Other features

Repayment details

Maximum interest free days (purchases) 56
Days to pay 25
Monthly payment min % 1.0%
Monthly payment min £ £5

Card charges

Returned payment fee £12
Late payment £12
If you exceed credit limit £12

Foreign usage

Foreign usage fee (Europe) 2.95%
Foreign usage fee (worldwide) 2.95%

Cash withdrawal fees

Charges for cash withdrawals Yes
Cash withdrawal percent 3.0%
Minimum charge £3

Available to manage

Online Yes
Branch Yes
Telephone No

Reward schemes

Reward is charity donation No
Reward is cash back No
Reward is Airmiles No
Reward is points No
Reward is vouchers No
Reward is travel No
Reward is Avios No
Reward is discount No

Repayment note

If you do not pay the total outstanding balance in full by the payment due date, the amount you pay will be allocated to higher interest rate balances before lower interest rate balances. Where fees and charges are payable, your payment will be allocated to the interest rate applicable to these fees and charges relating to any higher interest rates first.