Halifax smart Credit Card

Compare the Halifax smart Credit Card with the UK's best credit cards, including card details, application criteria, introductory rates, rates, benefits and fees & charges.

	This Product Is No Longer Available Halifax no longer offer the "smart Credit Card". You can find an alternative credit card by selecting one of the following options; Compare all Halifax credit cards Compare all market leading credit cards For comparison, here are the details of the Halifax smart Credit Card before it was withdrawn:
Card Details
Card Issuer:	The card is issued by Halifax.
Type:	This item is only available as a Mastercard
Application Criteria
Min Age (yrs):	Minimum age for applicants is 18 years.
Min Income (£pa):	No minimum income is required.
Introductory Rates
Intro Bal Tran Rate AER:	The introductory rate for balance transfers is 0.0%.
Intro BalanceTfr Fee (%):	Balance transfer fee of 3% (minimum £3, no stated maximum).
Max Bal Transfer Fee (£):	Unlimited
Intro Purchase Rate AER:	The introductory rates for purchases is 0.0%.
Rates
APR - Purchases:	The typical APR is 16.9% p.a.
Balance Transfer AER:	The annual rate for balance transfers is 16.9%.
Balance Transfer Fee (%):	Balance transfer fee of 3% (minimum £3, no stated maximum).
Cash Advance AER:	The annual interest rate for cash advances is 23.9%.
Benefits
Cash-Back Reward:	A cashback reward scheme is not available.
Air Miles:	There is no travel reward programme available.
Other Incentives:	expand Green options: Sign up for paperless statements All Halifax cards are carbon-neutral. This means that during the production of the plastic, the end-to-end energy consumption is mapped and offset.
Shopping Reward Prog:	No shopping reward program available.
Fees & Charges
Annual Fee (£):	There is no annual fee.
International Charges %:	If the cardholder makes transactions in a currency other than sterling, Halifax will change the amount of sterling at an exchange rate they use. They will charge 2.95% of the value of each foreign currency transaction.
Interest Charged from:	Halifax charge interest on all transactions and cash advances from the date of the transaction or cash advance and, for all cheques, balance transfers and all other amounts, from the date they first charge the amount to the account.
Interest Free Period:	Up to 59 days interest free period.
Min Payment £:	The cardholder must make a minimum payment of the greater of 1% of the amount owed or an amount equal to the total of any Credit Card Repayments Cover premiums, interest (or the minimum interest charge), overlimit and late payment fees plus £5.

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