Are you looking for a credit card from one of the most well-known and trusted credit card issuers in the UK? When it comes to choosing the right credit card that fits your lifestyle, there are a lot of prerequisites that you need to list down.
Halifax offers two of the best credit cards in the UK namely the Halifax Clarity Credit Card and the Halifax World Elite Mastercard. Each of them have their own distinctions.
In this comprehensive guide, you will learn how to find the perfect Halifax credit card that will cater to all of your needs and how to apply.
Halifax Clarity Credit Card
Those who want to travel around the UK and overseas can check out the Halifax Clarity Credit Card.
It is one of the best travel credit cards that you can apply for that gives you the best offers.
You can use the card abroad without having to worry about any foreign transaction fees or any extra charges.
This includes purchases and cash withdrawals. Take note that there may be some companies that charge you for withdrawing money from their machines.
Benefits and More
With the Halifax Clarity Credit Card, you can also check your account online. You are also completely protected from fraud as your account is constantly monitored.
You can use the card anywhere and make safe contactless payments. When it comes to interest rates, it will depend on your credit score.
Halifax World Elite Mastercard
The Halifax World Elite Mastercard is the elite version of the previous credit card. You can get 0.5% cashback on purchases up to £15,000 for each year after opening your account.
You also receive 1% cashback on purchases that total up to £15,000.
Interest rates and other charges vary depending on the credit score but cardholders often get around 22.94% interest rate for purchases.
There is also a 2.95% foreign transaction fee. You can register your account on the official mobile banking app to access the full range of benefits of this credit card.
Benefits and More
The Halifax World Elite Mastercard is a travel rewards credit card. This means that you get extra benefits when you use the card for your travel.
You can Priority Pass across 1,300 airport lounges all over the world and you also fast-track your security checks with the help of the card.
This makes it a lot easier and more convenient to travel. You are also entitled to the Mastercard Priceless experience which allows you to book events and tickets before they are available to the public.
Where Can You Check Your Interest Rate and Credit Limit Before Applying?
Applicants will always want to know what are the interest rates for purchases and other transactions before they apply.
This also includes many other factors like the credit limit which will affect their decision if they want to continue in applying for the card.
Fortunately, Halifax applicants will have the ability to know their interest rate and credit limit before applying through their eligibility check.
Enter all of your information and they will run a credit search which does not affect your rating. You will then receive the results after you've provided them with the basic details.
Using Your Halifax Credit Card With the Mobile Banking App
The best way to use your Halifax Credit Card is to link it with your account on their official mobile banking app.
The app unlocks many other features and benefits that will make your life easier. You can pay your bills and checks as well as manage your account through the mobile banking app.
You can also order a replacement card, report it, and even freeze your card if you think that it is lost or stolen.
How Do Travel Credit Cards Work?
Many people might still not know what a travel credit card is and how it works. Travel credit cards work similarly to many other credit cards but they have extra benefits.
These benefits are focused more on traveling and rewarding you for using the credit card when you do.
With these credit cards, you often get reduced transaction fees when you use the card to purchase items outside of the country.
They also reward you with cashback or perks such as discounts and free accommodation.
Where Can You Use Your Halifax Credit Card?
Your Halifax Credit Card is powered by Mastercard which is one of the major card providers in the world.
They have partnered with thousands of brands and establishments all over the world.
This means that you can use your Halifax Credit Card anywhere in the world that has the Mastercard logo. You can even use the card for shopping and spending online.
Eligibility Requirements
Before you can apply for any of the Halifax credit cards, you must first learn the eligibility requirements.
This will help you get approved much faster and you won't waste your time applying for a card that you'll ultimately be denied.
Applicants must not be full-time students and must be 18 years old and above. You must also be a UK resident with a job that has a regular income.
Previous applicants who were declined in the past 30 days will not be entertained and those who have any County Court Judgements or those who have filed bankruptcy will not be able to apply for the card.
How to Apply for a Halifax Credit Card
Now that you know you're eligible for the card, it is time to learn how to apply. The application process is quite simple and all you need to do to start is to log in to your account at the official website.
Use the Eligibility Checker to learn about the interest rates and other charges then compare it with other cards. Once you have decided to continue, provide more details on the online application form.
Review everything first before you submit then wait for their approval. Your new credit card should be sent to you by mail after a few days once you are approved. You can call their hotline at 0345 944 4555 or visit their main office at Trinity Road, Halifax, West Yorkshire, HX1 2RG.
Conclusion
Those who are looking for a low-interest rate credit card that rewards you for using it online or abroad should think about getting any of the two Halifax Credit Cards. Check out more details at their official website.
Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.
