Move Your Debt to Halifax Low Fee Credit Card, 31 Months Interest-Free, 2.99% Transfer Fee and No Annual Charge
Halifax low fee balance transfer credit card offering 31 months interest-free, a low 2.99% transfer fee and no annual charge to help you clear your balances faster
The Halifax low fee credit card is a solid option for anyone in the UK wanting to move existing balances and save on interest. With a long interest-free period and a low transfer fee, it’s designed to help clear debt faster without an annual charge.
Strong balance transfer offer
The Halifax Low Fee Balance Transfer Credit Card gives up to 31 months interest-free on balance transfers, making it one of the most competitive offers for people with outstanding card debt. A 2.99% transfer fee applies, which is lower than many rivals and keeps upfront costs manageable.
This card also offers nine months interest-free on purchases for users who need breathing room while they reorganise spending. For anyone juggling multiple balances in pounds, this Halifax low fee credit card can simplify repayment and reduce overall interest paid.
Costs, APR and ongoing fees
There’s no annual charge on the Halifax low fee credit card, so you won’t be paying a yearly fee to benefit from the introductory deals. After the promotional period the representative APR is variable (around 21.9%), so it’s important to plan repayments before interest resumes.
Cash advance charges and purchase APRs differ from the balance transfer offer, so always check the fine print. The 2.99% balance transfer fee combined with a lengthy interest-free term makes the Halifax Low Fee Balance Transfer Credit Card cost-effective for many borrowers in the UK.
Easy online management and UK-focused tools
Halifax’s online banking and mobile app make managing a balance transfer straightforward — set up direct debits, monitor transactions, and get alerts in real time. The eligibility checker uses a soft search, so you can see your chances of approval without harming your credit file.
Being comfortable with online tools matters in Britain, where quick access to accounts via smartphone is expected. The Halifax low fee credit card pairs a sensible balance transfer offer with practical digital tools for people juggling household budgets and monthly bills.
Who should apply and alternative options
This Halifax Low Fee Balance Transfer Credit Card suits borrowers looking to consolidate debt, reduce interest costs and avoid an annual fee. If you can clear your balances within the 31-month interest-free window, the savings can be substantial compared with keeping debts on higher-rate cards.
If you prefer different perks — for example, reward points or longer promotional periods — compare offers from Barclaycard, Santander or Tesco. Use the Halifax eligibility checker and compare representative APRs to find the best match for your credit score and repayment plan. Apply only after you’re confident you can meet monthly repayments and clear balances within the interest-free term.
