One of Halifax credit cards popular offerings is the Halifax Everyday Spending Credit Card, which is great for travellers. It doesn’t have foreign transaction fees or annual fees.
For a consumer who needs to use a credit card while abroad, this is a card that is worthy of your consideration. You’re not going to get dinged every time you need to buy some lunch abroad and they’ve also got a great deal on ATM withdrawals when travelling in foreign countries.
As an everyday card though, it may not be ideal, since it doesn’t come with any cash back or rewards. In this article, you’ll learn about the kind of benefits you can receive with the Halifax Everyday Spending Credit Card, and how you can apply.
Benefits of the Halifax Everyday Spending Credit Card
$0 on Foreign Transactions
Unlike other credit cards, the Halifax Everyday Spending credit card will not charge you fees for non-sterling transactions when you use it internationally. This can help you save money while on international travels.
The average charge on other cards is usually around 3% of the amount spent, which can really add up over time.
A Mastercard Product
As a Mastercard, this credit card will be accepted by most retailers and is subject to the Mastercard exchange rates. These ensure that you have the most competitive interest rates.
At no fees, and great exchange rates, it is almost unbeaten in this area.
No Annual Fee
The Halifax Everyday Spending Credit Card doesn’t charge any annual fees, and consumers are not penalized for not using the card. This means that you can get the card and keep it solely for international travels.
Fees and Charges
Halifax does not share fees and rates information publicly. Interested applicants must first check their eligibility through the website’s eligibility checker before learning more about what card is right for their needs and what fees are associated with it.
However, as mentioned above, with the Halifax Everyday Spending Credit Card, there are no annual fees and no foreign transaction fees.
Check Your Eligibility
To be eligible for Halifax credit products, you must ensure that you meet the following criteria before applying.
- 18 years or older
- UK citizen or resident
- Regular income
- Must not have declared bankruptcy or have had any county court judgement
- You must not have applied for another card and been declined in the last one month
How to Apply
After confirming your eligibility, the Halifax website will allow you to fill out the application form by asking you to provide personal information such as your name, telephone, addresses, and income information.
You will also need to provide the required financial and employment information.
Contact Information
The Halifax Group can be reached at 0345 720 3040 from within the UK, or at +44 (0) 113 242 1984 if you are calling from outside the UK.
Halifax Bank is a division of the Bank of Scotland, whose registered address is The Mound, Edinburgh, EH1 1YZ.
Also read: Nationwide Credit Card – Learn How to Order Online
Conclusion
As a travel card, this card is attractive and offers its customers a low-cost way of paying for goods and services while abroad. This could give you some significant savings in the future if you tend to travel often.
If you are not a traveler, feel free to compare this Halifax credit card with other cards that might be better suited to your needs.
Note: Consider the risks involved in using credit products before applying by consulting the issuing institution’s terms and conditions.
