The Halifax Everyday Spending credit card is great for those who travel frequently because it doesn’t have any foreign transaction costs. It also doesn’t come with any annual fees.
As a consumer who wants a card they can use freely while abroad, this card should be on your radar. It comes with no non-sterling transaction fees, which is a bonus when you are traveling. (Some ATMs will have fees).
This card does not have any cashback rewards, but it does provide convenience. Up next, we have outlined the main features and benefits you are likely to receive from using the card and how you can also apply for it.
Halifax Everyday Spending Credit Card Benefits and Features
No Charges on Foreign Transactions
This is most certainly its main selling point. The card does not charge anything on foreign transactions and unlike other cards, it is very popular with most travelers.
There is however an average charge on the card that is approximately 3% of the total amount you spend which is quite reasonable.
This logo means that the card is acceptable in almost all countries and by most retailers. It also uses the MasterCard exchange rates and it ensures that you have a competitive interest rate.
No Charges for Annual Fees
There are no annual card fees associated with the card, and the consumers are not penalized when they use the card occasionally.
You can actually decide to use the card while traveling internationally only, as there are no charges to be paid.
Halifax Everyday Spending Credit Card Fees
When applying for a credit card, it is important to be aware of the fees and interest charged. Below is a list of fees that come with the Halifax Everyday Spending Credit Card.
The card doesn’t have too many charges but the existing ones are as follows.
- No annual fees.
- No foreign transfer fees.
- 0% interest rate on purchases for the first 20 months.
- 0% interest on balance transfers for the first 28 months.
- APR – this is at the rate of 19.99% per annum.
- Foreign ATMs will hit you with their own fees.
Halifax Everyday Spending Credit Card Eligibility
In order to apply for this card, you must first meet the following eligibility criteria.
- You must be 18 years and above.
- You must be a UK citizen.
- You must have a regular income.
- You must not have declared bankruptcy or have had any county court judgments.
- You must not have applied for another card and been declined in the last month.
- You must not be unemployed or a student
- You must not have been declined for a Halifax Credit Card in the last 30 days.
How to Apply for the Halifax Everyday Spending Credit Card
To apply for this card, you will start by logging into the company website and filling out the application form with the following information.
- Your name
- Your address
- Your income information
- Your current expenses
- Your employer information
You can log on to the company website to fill in the application form and receive more information about this card.
Contact and Address Information
The Halifax Group can be contacted at 0345 720 3040 or +44 (0) 113 242 1984 if you are abroad.
The Halifax is a division of the Bank of Scotland, registered at The Mound, Edinburgh, EH1 1YZ, United Kingdom.
This is a Halifax travel card that gives customers a low-cost option for paying for goods and services while abroad. It however doesn’t come with too many benefits or perks.
So if perks or other things that this card doesn’t offer are what you are looking for, check out some other credit cards before deciding on the card right for you.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.