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Halifax All in One

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4 Reviews

A spectacular typical 15.9% APR (variable). 0% for the first 9 months on balance transfers, 0% for the first 3 months on purchases (A handling fee of up to 3% applies per balance transfer). No Annual fee. Up to 59 days interest free credit on all purchases if you pay off your balance in full each month. Manage your card online.

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    4 Reviews
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    • More +
      25.03.2010 21:41
      Very helpful
      1 Comment



      Great all around card that can be used almost everywhere.

      The Halifax All in One Credit Card is brilliant in my opinion!

      I already bank with Halifax with a number of other financial products and went about applying for this credit card via the Halifax website. I found the application process very easy and didn't take any longer than 10 minutes to complete. I also liked how you could select the colour of the credit card upon applying.

      Upon submitting the application I received the agreement through the post, which I was required to check and sign. I found this all a bit tedious, as other credit card providers such as Virgin allow you to just tick a box online to confirm the Terms and Conditions. This seemed to extend the processing time by a week/week and a half as you had to allow for the posting times for Halifax to receive the contract back and process it to despatch the card etc. It was also a bit annoying as the introductory offers e.g. 0% on purchases for x amount of months started from the date you applied online so all this time spent on sending the agreement back was wasting my offer time!!!

      However apart from the above the process of receiving the card and PIN was fine.

      When applied for the card I received 9 months 0% on purchases and I think Balance Transfers. This was one of the best deals at the time and I was more than happy with this.

      When you receive the card you are required to activate it by ringing the telephone banking service, which was easy enough. I also found setting this card up via the online banking very easy, however I don't know if this was only because I already used the service.

      Overall I have never had problems with Halifax Credit Card services and have always found the customer service rep's very helpful. I unfortunately had a fraudulent transaction on my credit card, which I reported to Halifax and they sorted out in a very quick and professional manner.

      Halifax use Mastercard for this credit card, which is accepted pretty much everywhere.

      I won't bore you all with the rates etc as you can view this on the Halifax website.

      I would recommend this credit card as I found it easy to apply for and never experienced any problems with Halifax.


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      • More +
        08.12.2009 01:00
        Very helpful



        See conclusions


        At the beginning of this year (2009), I was on the look out for a new credit card as my current provider (Natwest) were dithering for too long as to whether they wanted to extend my credit limit, which currently sits at a very modest £1600. I also wanted to find a new credit card with a 0% interest free introductory rate on purchases, as my 6 month 0% offer with my Natwest Gold card was on the verge of expiring.

        I have held a current account with the Halifax since 1996, though for the past few years this account has been what can be best described as "dormant", in other words I had forgotten about the one pound something that I left in there. Spurred on by the promise of a new year and the resolutions that come with it, I decided to dust off my Halifax statements and set up a Reward Current account (where you have to pay in £1000 each month to "earn" a £5 reward). At the same time, I decided to apply for a Halifax All in One credit card (Mastercard) as they were (and still are at the time of writing) offering an attractive introductory rate of 0% interest for 9 months on purchases. I can honestly say that the all singing and dancing "Howard" from the Halifax TV adverts had no bearing on my decision - by the way, whatever happened to Howard?


        I applied for the Halifax All in One credit card at the same time as opening the Reward current account at my local branch in Hanley. I popped in on a cold brisk Saturday morning in early February and was given an appointment with an advisor the following week. The application process for the credit card was quite simple, it was a matter of providing your personal details and answering a few financial questions such as your current salary and other forms of credit that you have. The Halifax advisor discreetly turned the computer monitor away from my watchful eye to determine if I had a good credit score and.... Success! I was accepted for a Halifax card which had a much higher credit limit. In terms of customer service, I was very impressed with the friendliness of the advisor that took me through the application process, particularly considering Halifax was one of the banks under a very gloomy financial cloud, and had just been "bailed out" by the Government.

        The success of my application was (in my opinion) due to my fairly active use of my Natwest Gold Credit card which as mentioned above, also had a introductory rate of 0% for 6 months. On this card I was paying off the minimum amount on the balance each month as no interest was accumulating. From what I have learnt, your credit rating seems to be boosted if you are not a person that pays off the balance in full every month, but one that only pays the minimum amounts instead. I will discuss further below what I did with the money that I should in theory have used to pay off the monthly credit card balance.


        The Headline Features

        As mentioned above the all in one card offers 0% interest for the first 9 months on purchases. Another attractive feature, though not one that I was interested in, is that this card also offers 0% interest for 9 months on balance transfers made in the first 90 days. However, a handling fee of 3% applies for each balance transfer. To make sure that you benefit for the 0% rate you need to ensure that you stay within your agreed credit limit and that you make repayments on time. You do not benefit from the 0% balance transfer offer if your hold another card with either the Halifax or Bank of Scotland.

        Anything else?

        The card also offers:
        - Cover against online fraud when purchasing on the internet;
        - A card replacement if lost;
        - No annual fee;
        - Management using the Halifax online banking website;
        - Payment protection insurance; and
        - A range of funky colours - you can choose your card in one of 5 colours (black, pink, navy blue, white or red).


        0% interest free period for 9 months

        As I mentioned above the most desirable feature for me was the 0% 9 month offer on all purchases. This is now not the greatest length 0% interest free on purchases period available, as the Tesco Clubcard credit card, for example, offers an introductory 12 month interest free period. Even so, when I signed up to this credit card in February earlier on this year, the All in One card offered the longest interest free period.

        This allowed me to simply spend, spend, spend with this card and pay off the minimum amount each month without accruing any interest. Instead of using the money from my salary to pay off the credit card balance in full each month, I put this money in a savings account so that I could earn interest on this money. I followed a similar method with my Natwest Gold card whilst it was still within the 6 month 0% purchase rate and have found this a useful way to earn a few extra ££s from the credit card companies. The Money Saving Expert refers to this practice as being a credit card "tart" - see more details in the link below.


        My 9 month interest free period expired at the end of November and I thankfully remembered to pay off the entire balance in full and "pocketed" the interest.

        You need to be aware that the 0% period does not apply to cash advances (i.e. where you withdraw money from a cashpoint) so NEVER, EVER withdraw money from this card. If you do, the money you withdraw will be subject to a monthly interest rate of 2.075% and an annual interest rate of 27.95%. To add insult to injury, you would also be charged a cash advance fee of 3% of the money you have withdrawn or a minimum of £3.

        Online Banking

        I found the Halifax online banking service fairly straightforward and user friendly. Firstly you need to set up your online banking with Halifax, and once this is arranged you need to enter in your arranged username and password. I can access my credit card account by clicking on the mostly concealed credit card number (except the final 4 digits). The summary page is neatly spaced out with all of the key information present in a rectangular box at the top of the screen. Here you can easily determine your current balance, the next payment due date, the date the last payment was received, the minimum repayment required and amount of last payment received. The individual transactions are itemised in a standard statement format where you can peruse the date and description of each transaction and depress yourself with how much you have spent.

        The online payment facility is also very simple, beneath the statement there is a button, "Online Payment" which after clicking takes you to a new screen to allow you to select the account from which you would like to make your payment from. Once you have picked your account (for me this is the Reward account) you can pay the minimum amount or select another amount which is useful if you wish to pay the balance in full, for example. Once you have entered in your amount, simply click on "Submit" and your payment has been made. Halifax recommends you should allow 4 bank working days for the payment to be arranged, in my experience payment usually takes less time than this, typically 2 days. You can also arrange payments by Direct debit, I did not use this facility, but if you are to follow paying the minimum amount over the interest free period, this would be the safest way not to forget paying your bill!

        Replacement card

        I rather foolishly managed to "lose" my card in August. As soon as I realised, I raised the alarm with the Halifax 24 credit card helpline who were friendly, efficient and immediately cancelled the lost card after asking a couple of security questions. A new card arrived in 2 days and had the same pin number as my lost card. I was also not charged for a replacement card which was a welcome surprise. To my annoyance I managed to find my lost card at home later that week, but nonetheless I was still impressed with the speed at which Halifax sent me a new card. The new credit card number was also speedily included on my online banking account.

        Repayments cover

        One aspect of this card I did not touch with a bargepole is the "optional" credit card repayments cover. In a nutshell, your minimum repayments each month could be covered for up to 12 months in the event:

        - You are unable to work for 15 consecutive days because you have suffered an accident or sickness
        -You are working and become unemployed for at least 15 days (through no fault of your own)
        - You were confined to hospital for at least seven consecutive days or more
        The repayments cover *could* pay 10% of either the outstanding balance or highest balance (in the preceding statement month) whichever is the greater but no less than £10 up to a maximum of £2,500 a month.

        You meet the eligibility criteria for repayments cover if you are aged 18-65, live in the UK and are in paid work and paying National Insurance Contributions class 1 or 2. The cover costs 87p per £100 of your highest card balance each month, so if you had an outstanding balance of £1000 this equates to £8.70 per month or £104.40 a year.

        I decided to steer well clear as I have heard and read a lot of bad publicity about payment protection insurance from bank products that are significantly overly expensive and you could obtain this cover (if you felt you needed it) by purchasing separate stand-alone insurance. Another aspect to consider is that the minimum repayment would not be covered after the 12 month period which may not be especially helpful if you have a large outstanding balance. I would recommend reading the following article on the Money Saving Expert website regarding payment protection insurance.

        Interestingly enough, after I activated my card, I stated clearly over the phone that I was not interested in this cover whatsoever, but the Halifax advisor still proceeded to tell me all of the details. So, again I said I was not interested, and then I was asked why not? I found this somewhat aggravating. It is not as if that is the banks business, plus they are also not providing independent financial advice and they have a vested interest in persuading customers to part with an bit of extra money for a service that may not be useful to them.

        And the colour?

        I decided on a black All in one card, the design looks quite nifty with a white "X" outlined on a mysterious dark black background.


        - The application process was simple and the Halifax advisor at my local branch in Hanley delivered an impressive level of customer service.
        - The 9 month 0% interest free period on purchases is quite attractive, particularly if you use the card for all of your transactions and put your salary in savings account. Don't forget to pay off the minimum amounts each month on time though and to pay off your balance in full at the end of the 9 month period!
        - Never use this card for cash advances - the interest free period does not apply and you will get stung!
        - The online banking service is straightforward and user friendly.
        - The payment protection insurance seems like a waste of money and another way for banks to sell you something that you might not actually want.

        Typical APR: 15.9%
        Other APRs: 19.9% APR (variable) and 21.9% APR (variable)

        Other interest rates

        Introductory rate: 0% for 9 months
        Monthly rate: 1.240% or 1.527% or 1.667%
        Annual rate: 15.94% or 19.95% or 21.95%

        Cash advances:
        Monthly rate: 2.075%
        Annual rate: 27.95%

        Balance transfers:
        Introductory rate: 0% for 9 months on Balance Transfers made in the first 90 days
        Monthly rate: 1.240% or 1.527% or 1.667%
        Annual rate: 15.94% or 19.95% or 21.95%

        Monthly rate: 1.240% or 1.527% or 1.667%
        Annual rate: 15.94% or 19.95% or 21.95%

        Minimum repayment: If the balance is less than £5 then you must repay the full amount. If the balance is £5 or more, you must repay the greater of 1% of the amount you owe us or an amount equal to the total of any Credit Card Repayments Cover premiums, Interest (or the minimum interest charge), overlimit and late payment fees plus £5.

        Cash Advance Fee: 3% or minimum £3
        Foreign Exchange Commission: 2.95%
        Balance Transfer Fee: 3% or minimum £3
        Cheque Fee: 3% or minimum £3
        Minimum Interest Charge: 50p (in any month where interest charge is between 1p and 50p)
        Copy Statement Fee: £5
        Statement Date Change Fee: £5
        Processing any foreign currency payment to us: £10
        Stopped Cheque Fee (Other than lost or stolen): £10

        Default charges:
        Late Payment Fee: £12
        Overlimit Fee: £12
        Returned Payment Fee: £12
        Letter Fee: N/A

        © CJG, 2009


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        • More +
          10.11.2009 14:34
          Very helpful



          A very nifty little card with a pink option!

          I had been talking to Halifax who I have banked with ever since my first job when I was 16 regarding one of my account on a couple of different occasions and they kept mentioning their new credit card to me, offering to me to make a quick application. I declined their offers as I thought, NO MORE CARDS!

          I was the best thing to do, I knew it. I only have a couple of cards which I don't go crazy on at all I am actually very sensible with.
          However, I had a look at a little leaflet enclosed with my bank statement after the '0% on balance transfers and puchases for 9 months' catching my eye.

          This is a great offer and after having a little think about it and deciding it was a good idea, what with christmas coming up, to go online and apply for a card.
          I was accepted and just received my card today, which a chose a pretty pink one of and upon calling them to activate my card transfered a couple of small balances onto my new card.
          It is great to know I can pay of them balances with 0% intrest for 9 months which is very respectable comparing to other cards.

          The card is accepted worldwide, and the option of a free additional cardholder is available. You are also not liable for any transactions made if your card has been lost or stolen.
          A very good service that is also available with this card is for £18 per year or £32 for the 3 years you can have all your cards, purse, cash and driving license insured.
          With the one year option you can claim back £50 for a new purse, up to £100 in cash, all your cards cancelled in one phonecall and a new license paid for.

          The 3 year option lets you claim up to £100 for new purse, up to £300 in cash and again all cards cancelled in one call and new licence, but this is for everyone over 18 in your household with this option and this applies over seas with both options.


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          • More +
            09.06.2009 14:27
            Very helpful



            A great deal if you want to make a big purchase and can pay it off in 9 months or less.

            I applied for the Halifax All in One Credit Card in December 08. My main goal was to reduce the cost of my annual car insurance by paying it off in full on a credit card and then paying the card off monthly at 0% interest. Also I was in need of a new laptop and could not afford it for another couple of months.

            This was my first ever C/C with the main lure being the 0% interest free on purchases for 9 months, although the 0% interest on balance transfers for 9 months would be useful to anyone who wants to transfer debts off an existing card (transfers must made within the first 90 days, and from a non-HBOS card).

            Obviously being accepted for such a card requires a credit score check; in my case this was checked in the branch by asking a series of financial and personal questions, and lasted approximately 20 minutes. At the end I was told I would receive an answer within the week. Sure enough one week later I had received my acceptance and I could proceed with my application, which all ran very smoothly.

            If you would prefer you can apply online rather than trekking to your local branch, although having never experienced this I cannot comment. All I can say is that if you are applying regularly for credit (and not getting it) be careful as I believe this can negatively affect your credit score.

            The card offers a full online banking service, which I would highly recommend you utilise. I have both a current and savings account with Halifax which makes paying off the card a doddle; I simply state how much I want to deposit, when I would like it to come out, and from what account and it is processed in seconds, fantastic!

            For me this card has saved me approximately £250 off my car insurance, which I put towards my laptop. Once the free credit period expires I will have paid off the balance and the card can then be used for any purchases I know I can pay off within the month.

            A few little tips...

            When activating the account ensure that you set up a direct debit to automatically pay off the minimum required each month (1% with minimum of £5), if this is not paid the 0% deal is lost and the subsequent high 15.9% - 21.9% APR rate is instated (rate is variable and dependent on circumstances).

            Avoid withdrawing cash as this is again charged at the higher rate and will only be wiped off when the entire balance of the card is repaid.

            Do not go over the arranged credit limit! Monitor your available funding online to make sure you never accidentally overspend.

            If you are spending overseas inquire as to how this will affect your re-payments.

            It is your job to know when your 'free' period is coming to an end, after this the higher rate is applied unless the card is paid off in full each month. If you find yourself with money still to pay, look for another card with a similar offer at another bank and transfer the funds over.

            Do not get carried away, look at the reason you got the card in the first place and stick to that, there is no such thing as free money and any little 'treats' you buy will add up and come back to haunt you.

            Happy Spending ; )


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