Clear Debt in 31 Months Interest-Free with Halifax’s Low Fee Balance Transfer Credit Card

Why the Halifax Low Fee Balance Transfer Credit Card stands out

The Halifax Low Fee Balance Transfer Credit Card is a strong pick for UK customers looking to clear existing debt without racking up interest. With an introductory 31 months interest-free on balance transfers and a low 2.99% transfer fee, it’s tailored for people wanting a clear, predictable route out of building balances.

Unlike some cards that hide charges in annual fees, this Halifax balance transfer credit card comes with no annual fee and a straightforward representative APR after the offer ends. For anyone prioritising debt repayment, that mix of a long interest-free term and a low transfer fee is hard to beat.

Costs, rates and what to watch for

The headline offer is the 31-month interest-free period on balance transfers and 9 months interest-free on purchases, but the representative APR sits at 21.9% variable. That rate matters once the introductory period finishes, so plan monthly payments to clear balances before standard interest applies.

There are other costs to consider: the balance transfer fee of 2.99% applies to transfers, and cash advances carry higher charges. Always check the fine print on fees and how Halifax calculates interest to avoid surprises when the promotional window closes.

How to apply and manage your Halifax card

Applying for the Halifax Low Fee Balance Transfer Credit Card is simple and starts with an eligibility checker that uses a soft search, so your credit score won’t be affected. The online application can give an indicator of acceptance and an estimated credit limit before you apply formally.

Once approved, Halifax offers a user-friendly online banking app where you can monitor balances, set up direct debits and receive real-time alerts. Managing a balance transfer card proactively through the app helps you stay on top of monthly payments and avoid interest after the promotional term.

Is this the right balance transfer card for you?

If your priority is consolidating credit card debt and clearing it interest-free, the Halifax Low Fee Balance Transfer Credit Card is an excellent choice for many people across the UK. The long 31-month interest-free period and low 2.99% transfer fee make it particularly attractive compared with typical short-term offers.

However, if you’re after rewards, cashback or a lower ongoing APR beyond the intro period, you might prefer one of the alternative cards on the market. Compare the Halifax balance transfer credit card against competitors, work out a repayment plan and make sure it aligns with your budget and credit score before switching.