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Halifax credit card review

Find out how Halifax has been rated for its overseas fees, customer service, mobile app and more in our latest customer satisfaction survey.

In this article
What do Halifax credit cards offer?  Halifax credit card: customer rating Is Halifax a good credit card provider?
Which Halifax credit card is best? How we calculate Halifax’s customer score and ratings Halifax credit card FAQs

What do Halifax credit cards offer? 

Halifax has much to offer across its range of cards, which include competitive 0% deals on balance transfers and purchases

The FlexiCard, which offers an APR of 6.4%, is one of the best in the market for low rate cards, while its Clarity card is a top pick for spending abroad.

Halifax credit card: customer rating

Halifax, the third-largest credit card provider in the UK, achieved an average customer score of 75% in our latest credit card satisfaction survey, securing a respectable seventh place.

Credit Cards
Halifax review
Which? Customer Score
7th out of 29 credit card providers
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Is Halifax a good credit card provider?

Our survey also reveals how Halifax customers rated the provider across 10 categories. 

Find out in the table below how Halifax scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service and query handling.

Halifax credit card satisfaction


Star rating
Customer service

4 out of 5

Application process

5 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

4 out of 5

Dealing with queries

4 out of 5

Dealing with complaints

4 out of 5

Ability to manage online

4 out of 5

Ability to manage by mobile app

4 out of 5

Ability to manage by telephone banking

4 out of 5

Charges for using your credit card abroad

4 out of 5

Which Halifax credit card is best?

You can explore the best Halifax deals using Which? Money Compare.

How we calculate Halifax’s customer score and ratings

We pick credit cards to feature in Which? brand reviews based on the most popular brands searched for online.

Customer scores are based on an online survey of the public, which received 5,621 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

Star ratings for each category are scored independently of the customer score.

These surveys are carried out annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.



Halifax credit card FAQs


Does Halifax offer an eligibility check?


Yes. You can use the Halifax eligibility tool to see how likely you are to be accepted for a Halifax credit card.

It does a 'soft search' of your credit file, which won't affect your credit score.


Where are Halifax credit cards accepted?


Halifax uses the Mastercard network for its credit cards, so you will be able to use them to pay in millions of places in the UK and abroad.


How many Halifax credit cards can I have?


Subject to eligibility, you can have a maximum of two credit cards from Halifax and up to five in total from Lloyds Banking Group, which includes Bank of Scotland and Lloyds Bank.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.