Intelligent Finance Credit Card

IF, the online bank that is provided by the Halifax bring their own credit card to the UK market. As IF are an online bank the costs associated with actually running this type of bank are traditionally much lower than the traditional 'bricks and mortar' branches that are dotted around your High Street.

The IF credit card does not offer any introductory offers such as 0% balance transfers or purchases,but what it does have is a low standard apr.

Similar offers to the IF credit card would be the MBNA platinum credit card which offers a low standard rate of 6.9% apr variable.

10.8% typical APR variable
Offset your current account savings against your credit card balance and pay no interest whatsoever!
No introductory rates available
Manage your account online or over phone
Only 12.4% APR on cash advances

IF from Halifax is a great credit card for long term use. There are no introductory offers but the standard APR is low. In reality you could actually save more by off setting your savings account balance against your credit card balance (the credit card APR is higher than the interest accrued on your savings account).