Halifax All In One Credit Card Review

With the Halifax All In One Credit Card, you'll get 0% interest on both balance transfers and new purchases for a period of 9 months. A 3% balance transfer fee will apply. You'll also get a choice of card colours ranging from traditional black, to pink.

Card Summary

* Minimum Repayment
Each month in which you have a balance outstanding on your account you must repay an amount equal to the total of any Credit Card Repayments Cover premiums, interest, default sums plus 1% of the balance shown on your statement (minimum ?5, or the full balance if less than ?5).

Allocation of Payments
We use any payments you make to pay off transactions that appear on your statements starting with those on which we charge interest at the highest rate. We will then pay off transactions on which we charge interest at the next highest rate and so on down to the lowest rate of interest. If the payment is not enough to pay off all transactions at a particular interest rate, we will pay off transactions charged at that interest rate in the order:- cash advances, cheques, purchases, balance transfers and default sums. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, "transaction" includes the amount of the purchase, cash advance, cheque, default sum or balance transfer plus any interest, fees or insurance payment charged as a result of that transaction. For example, a cash advance fee is included as part of a cash transaction.

Benefits include (some conditions may apply)

• 0% Interest on balance transfers for 9 months (subject to a 3% transfer fee)
• 0% interest on new purchases for 9 months
• A choice of card colours