Halifax All in one Credit Card is a regular card that meets the needs of consumers who just want a credit card on which to charge day to day expenses.

There is no annual fee. An introductory APR period charges no interest rate on purchases over a long term period. To maintain the intro period, card members must stay within issued credit limits and avoid late payments. APR on purchases conducted after the intro period is low, highly competitive and may vary periodically. Balance transfers conducted within the first 90 days in charge qualify to participate in the intro period and no interest is charged on these transactions. Balances transferred from other Halifax or Bank of Scotland cards do not qualify for the interest free period. Balance transfers incur a 3% balance transfer fee while cash advances attract a 2% cash advance fee. Transactions involving foreign currency incur a £10.00 processing fee. A lengthy grace period is available to accommodate those members who are prone to forgetting their due dates.

Card members do not automatically qualify for a rewards program. Merchants and retailers partnering with MasterCard may offer their own discounts or benefits.

Unrestricted round the clock access to the card account is available over the internet. Online statements are made available for members to remain informed of purchases, charges and other transactions involving their cards throughout preceding billing cycles. The card issuer sends hard-copy statements to all card members. Schedule dates for statement delivery may be changed by a card member subject to a slight processing fee.

Members can access the Halifax website for a variety of tools to improve their experience with credit cards. A credit card savings calculator helps predict how much a member saves based on minimum monthly repayments. Halifax offers a range of card protection products as part of protection services.

Halifax All in one Credit Card is the ideal credit card for individuals interested in the benefits of a Halifax card coming on the MasterCard network.

Interested persons may apply online to receive an instant decision. This credit card is issued by the Bank of Scotland plc.