Halifax 33 months 0% interest on balance transfers, 0.58% fee, £20 cashback
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Halifax 33 months 0% interest on balance transfers, 0.58% fee, £20 cashback

16
Found 25th Jul 2017
A great card for balance transfers, plus a low balance transfer fee.
£20 cashback offer valid on accounts opened by 8th August 2017.

Important information about our credit cards:

If your application is successful you’ll get a credit limit and any applicable promotional rates based on your current status
You can transfer balances to us (minimum £100) from most credit cards and some store cards, excluding Halifax products
To keep any promotional rates you must pay at least the minimum payment on time and stay within your credit limit
0% interest for up to 33 months from account opening on balance transfers made in the first 90 days.
Minimum £100 balance transfer. At least 51% of customers will get 0% on balance transfers for the first 33 months and a representative rate of 18.9% APR (variable). Others will get 0% on balance transfers for the first 33 months and a rate of 21.9% APR (variable), or 0% on balance transfers for the first 18 months and a rate of 25.9% APR (variable).
0.58% effective fee applies on each balance transfer made in the first 90 days.
An initial 3% fee applies; we'll then refund 2.42% within 90 days, so the effective fee is 0.58%. The refund applies for balance transfers in the first 90 days from when we open your account, after which a 3% fee applies for each balance transfer.
0% interest for 3 months from account opening on purchases.
£20 cashback on your first balance transfer made within 90 days of account opening.
The £20 cashback will be paid in to your credit card account within 90 days of the balance transfer being made. Your cashback will be applied to the balance you transferred and will show on your statement as ‘Balance transfer cashback’.

Transfer less than £3,348 and you will be up! I.e trasnfer £1000 and you will pay £5.80 the other £14.20 paying off your balance! Therefore making it better than a 0% fee credit card and generally with more months!
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Please always read your terms and conditions upon approval of credit. I made the mistake of assuming I had been granted 33 months interest free. In the fine print I had actually only been offered 13 months. If I can save someone else from making this mistake I will feel slightly better.
16 Comments
Please always read your terms and conditions upon approval of credit. I made the mistake of assuming I had been granted 33 months interest free. In the fine print I had actually only been offered 13 months. If I can save someone else from making this mistake I will feel slightly better.
Thanks op. Just transferred. Also missed the bit about the fee refund. Which is a nice bonus.
Been with Halifax for over 30 years since leaving school. Had loans, mortgages, credit cards, numerous bank accounts with them. The one and only time in my life that I ever needed financial help from them during difficult times a couple of years ago, they turned their back on me.

Got a good job not long after, just finished hitting them for as much PPI as I could and now turning my back on them for pastures new. If it's a caring bank you want, avoid these crooks.
DirtyPixel

Been with Halifax for over 30 years since leaving school. Had loans, … Been with Halifax for over 30 years since leaving school. Had loans, mortgages, credit cards, numerous bank accounts with them. The one and only time in my life that I ever needed financial help from them during difficult times a couple of years ago, they turned their back on me.Got a good job not long after, just finished hitting them for as much PPI as I could and now turning my back on them for pastures new. If it's a caring bank you want, avoid these crooks.


Thanks for sharing
LOL_is_stupid

Thanks for sharing


My pleasure.
I been with them over 30 years and no issues.
many loans and mortgages, still amazing.
Got 29 months just last week with 0% fee. That's almost free money.
SpamJavelin

Got 29 months just last week with 0% fee. That's almost free money.


With Halifax?
JohnnyUtah

With Halifax?


Yup
Original Poster
SpamJavelin

Got 29 months just last week with 0% fee. That's almost free money.


This is 4 months extra and potentionally get some of your balance paid off
Anon32

This is 4 months extra and potentionally get some of your balance paid off


Potentionally [sic] but I'd rather have the 50 quid in my pocket
Edited by: "SpamJavelin" 25th Jul 2017
I've only got £200 of credit card debt and I will just pay it off on pay day. I don't have any bank loans etc. That's the best way to not be in debt
unhappybunny

I've only got £200 of credit card debt and I will just pay it off on pay … I've only got £200 of credit card debt and I will just pay it off on pay day. I don't have any bank loans etc. That's the best way to not be in debt


nothing like a smug comment oO
nadine78

nothing like a smug comment oO



My grandfather always used to say, 'neither a lender nor a borrower be'

Nah just joking. I used to go mad in my younger days, bars and clubs in the West End after work every day. Nice holidays, buying girls drinks etc.... All on plastic!

After years of shifting it around (like 13/14 years), 0% transfers, loans, etc etc... I made a commitment to do everything I could to pay the lot off in two years. It was the best feeling in the world to be 'debt free' (except of course for my mortgage).

All the money I was spending on repayments which was £250 to £700 a month I now put largely into a savings account and now if I want too splash on a crazy night out up town, or go on a nice holiday I just use that without getting into debt.
Can I transfer money from this card to my current account or just balance transfer to another credit card??
Anyone else received their balance transfer rebate but not the £20 cashback?
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