One of Halifax's credit cards' popular offerings is the Halifax Everyday Spending Credit Card, which is great for travellers.
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.
Lest dive into this unique credit card.
Benefits of the Halifax Everyday Spending Credit Card
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.
Key Features:
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Low Purchase Interest Rate: Benefit from a lower interest rate on purchases, which can help in budgeting for day-to-day expenses.​
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Contactless and Digital Wallet Compatibility: Easily add the card to your smartphone or digital wallet for quick and secure contactless transactions.​
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Purchase Protection: Most purchases between £100 and £30,000 are covered under Section 75 of the Consumer Credit Act 1974, offering protection if something goes wrong
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$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.
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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.
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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 travel.
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
By following these steps, you can efficiently navigate the application process for the Halifax Everyday Spending Credit Card, aligning it with your financial goals.
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Check Your Eligibility:
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Utilize Halifax's Simple Check tool to determine your likelihood of approval without impacting your credit score. This process takes approximately five minutes and will indicate the credit cards you're likely to be approved for, along with the estimated credit limit.​
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Review Available Credit Cards:
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Based on your eligibility results, review the credit card options presented to you. Consider factors like interest rates, rewards, and any introductory offers to choose the card that best fits your needs.​
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Submit Your Application:
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Once you've selected a credit card, follow the on-screen instructions to complete the application form. Be prepared to provide details such as your address history for the past three years, employment information, and contact details.
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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
Comparing it with competitor cards
​When evaluating the Halifax Everyday Spending Credit Card alongside its competitors, it's essential to consider features such as cashback rewards, foreign transaction fees, and additional benefits. Here's a comparison with notable alternatives:​
Barclaycard Rewards Credit Card
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Cashback: 0.25% cashback on eligible purchases.​
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Foreign Transaction Fees: None; includes fee-free overseas cash withdrawals.​
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Additional Benefits: For applications submitted by April 30, 2025, an extra 0.25% cashback is offered on eligible purchases until September 30, 2025. ​
Halifax Clarity Credit Card
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Cashback: Not specified.​
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Foreign Transaction Fees: None; no fees on foreign currency transactions, including purchases and cash withdrawals.
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Additional Benefits: No annual fee and uses the Mastercard exchange rate for currency conversion. ​
Santander Everyday Credit Card
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Cashback: Offers rewards through Santander Boosts.
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Foreign Transaction Fees: Not specified.​
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Additional Benefits: 0% interest on purchases for a specified period and balance transfer capabilities. ​
Considerations:
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Cashback Rates: If earning cashback is a priority, the Barclaycard Rewards Credit Card offers a straightforward 0.25% cashback on purchases, with an additional promotional cashback for a limited time.​
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Foreign Usage: For frequent travelers, both the Barclaycard Rewards and Halifax Clarity cards provide the advantage of no foreign transaction fees, with the former also offering cashback on overseas spending.​
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Introductory Offers: The Santander Everyday Credit Card provides an interest-free period on purchases, which can be beneficial for spreading the cost of larger expenses.​
Ultimately, the best choice depends on individual spending habits, travel frequency, and whether the primary goal is to earn cashback, avoid foreign transaction fees, or benefit from introductory interest-free periods
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.
