High Credit Limit Balance Transfer

What are the 0% balance transfer credit cards that will allow a high credit limit balance transfer?

High Credit Limit Balance TransferA high credit limit balance transfer occurs when a customer is looking to make a large balance transfer from one credit card to another.

Balance transfers of large amounts require that the customer is approved for a new credit card with a high credit limit to allow the balance transfer to complete successfully.

Before the credit crunch started, it was common for the credit card companies in the UK to be quite generous with their credit limits.

Now however, most credit card companies are more strict with their lending criteria and a high credit limit balance transfer is more difficult then it used to be.

Customers will increase their chances of being approved for credit cards suitable for a high credit limit balance transfer if they can meet the following criteria:-

  • You have an excellent credit rating with no recent history of bad debts
  • You have low overall debt levels, excluding mortgages, in relation to your total annual income
  • You are a homeowner, on the electoral roll and have lived at the same address and been in regular employment for several years

High Credit Limit Balance Transfers

All of the following featured balance transfer credit cards do tend to be more generous with their credit limits and so are suited for a high credit limit balance transfer :-

Card Offers

Balance Transfers:
0% interest for 40 Months
Balance Transfer Fee:
2.69%
Purchases:
0% interest for 3 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Tesco Clubcard Credit Card for Balance Transfers*
  • 0% interest for up to 40 Months on balance transfers from account opening
  • 2.69% balance transfer fee
  • 0% interest for 3 Months on purchases from account opening
  • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
  • The 0% offer is applied to any balances or money transferred within the first 90 days of opening your account
  • Apply online and get a decision within 60 seconds
  • Annual Fee: None
More Information

Application Criteria

Tesco Clubcard Credit Card for Balance Transfers*
  • You have an annual income of at least £5,000
  • You are at least 18 years of age
  • You have a good credit history
  • You live in the UK, or have a British Forces Post Office address
  • You don't currently hold more than 1 Tesco Bank Credit Card
  • You have not applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
More Information
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
The APR, length of promotional offer, and credit limit may vary as they are dependent on your personal circumstances

Card Offers

Balance Transfers:
0% for up to 32 Months*
Balance Transfer Fee:
0.8%
Purchases:
0% for 12 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Lloyds Platinum 32 Month*
  • 0% for up to 32 months from account opening on balance transfers made within first 90 days
  • 0.8% fee applies on balance transfers made in first 90 days, 3% fee applies after first 90 days
  • 0% on purchases for 12 months from account opening
  • Lloyds Clicksafe and Internet fraud protection
  • Online card servicing
  • Annual Fee: None
More Information

Application Criteria

Lloyds Platinum 32 Month*
  • You are a UK resident
  • You have a regular income
  • You have a good credit history free from any county court judgements
  • You are aged 18 or over
More Information
0.8% fee applies on balance transfers made in first 90 days, 3% fee applies after first 90 days
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.94% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances

Card Offers

Balance Transfers:
0% for up to 38 Months
Balance Transfer Fee:
2.25%
Purchases:
0% for 6 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Halifax Balance Transfer*
  • 0% for up to 38 months from account opening on balance transfers made in first 90 days
  • 2.25% balance transfer fee in first 90 days (after 0.75% refund), 3% fee applies after 90 days
  • 0% for 6 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Halifax Balance Transfer*
  • You are a UK resident
  • You have a regular income
  • You do not have any Count Court Judgements against you
  • You are aged 18 or over
More Information
2.25% balance transfer fee (after refund) in first 90 days, 3% fee applies after 90 days
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances

Card Offers

Balance Transfers:
0% for 39 Months
Balance Transfer Fee:
2.4%
Purchases:
0% for 3 Months
Representative APR:
20.9% APR (variable)
More Information

Card Details

Virgin Money 39 Month Balance Transfer*
  • 0% on balance transfers for 39 months from date account opened (20.9% APR thereafter)
  • 2.4% balance transfer fee in first 60 days, 5% fee applies after 60 days
  • 0% on purchases for 3 months from the date your account is opened
  • 0% on money transfers for 39 months from date account opened (20.9% APR thereafter)
  • 3.80% money transfer fee in first 60 days , 5% fee applies after 60 days
  • Contactless payments to quickly and securely pay for purchases up to £30
  • Annual Fee: None
More Information

Application Criteria

Virgin Money 39 Month Balance Transfer*
  • You are a UK resident
  • You have a bank or building society account
  • You have a good credit history
  • You are aged 18 or over
More Information
Representative Example: 20.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.9% p.a. (variable)
Credit limits will vary based on your individual circumstances

Card Offers

Balance Transfers:
0% for up to 37 Months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Post Office Money Balance Transfer*
  • 0% for up to 37 months on balance transfers made within 3 months of account opening
  • 1.99% balance transfer fee applies
  • 0% on all purchases for the first three months
  • No cash fee to buy travel money at the Post Office
  • Manage your account 24/7 with Post Office Money mobile app
  • Annual Fee: None
More Information

Application Criteria

Post Office Money Balance Transfer*
  • You are a UK resident
  • You have a bank or building society account
  • You have an annual income of £8,000 or more excluding unemployment benefits
  • You are aged 18 or over
  • You have no county court judgements
  • You must not already hold a Post Office Money Credit Card
More Information
A 1.99% fee applies and balance transfers must be made within 3 months of account opening
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender

Card Offers

Balance Transfers:
0% for up to 32 Months
Balance Transfer Fee:
0.8%
Purchases:
0% for 12 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Bank of Scotland 32 Month Balance Transfer*
  • 0% for up to 32 months from account opening on balance transfers made within first 90 days
  • 0.8% fee applies on balance transfers made in first 90 days, 3% fee applies after first 90 days
  • 0% for 12 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Bank of Scotland 32 Month Balance Transfer*
  • You are a UK resident
  • You have a regular income
  • You have not bankrupt or subject to an IVA and have no County Court Judgments
  • You are aged 18 or over
More Information
0.8% fee applies on balance transfers made in first 90 days, 3% fee applies after first 90 days
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances

Card Offers

Balance Transfers:
0% interest for 24 Months
Balance Transfer Fee:
0%
Purchases:
No offer
Representative APR:
18.9% APR (variable)
More Information

Card Details

Tesco Clubcard Credit Card with No Balance Transfer Fee*
  • 0% interest for up to 24 Months on balance transfers made within the first 90 days of opening your account
  • No balance transfer fee
  • No introductory offer on purchases
  • Earn Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply
  • Apply online and get a decision within 60 seconds
  • Online Account Management
  • Annual Fee: None
More Information

Application Criteria

Tesco Clubcard Credit Card with No Balance Transfer Fee*
  • You have an annual income of at least £5,000
  • You are at least 18 years of age
  • You have a good credit history
  • You live in the UK, or have a British Forces Post Office address
  • You don't currently hold more than 1 Tesco Bank Credit Card
  • You have not applied for a Tesco Bank Credit Card in the last month or have an application currently in progress
More Information
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

Card Offers

Balance Transfers:
0% for up to 29 Months
Balance Transfer Fee:
0%
Purchases:
0% for 3 Months
Representative APR:
18.9% APR (variable)
More Information

Card Details

Halifax 29 Month Balance Transfer*
  • 0% for up to 29 months from account opening on balance transfers within first 90 days
  • 0% balance transfer fee in first 90 days, 3% fee applies after 90 days
  • 0% for 3 months from account opening on purchases
  • Cover against online fraud when purchasing on the Internet
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Halifax 29 Month Balance Transfer*
  • You are a UK resident
  • You have a regular income
  • You do not have any Count Court Judgements against you
  • You are aged 18 or over
More Information
0% balance transfer fee in first 90 days, 3% fee after 90 days
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)
The APR and length of the promotional offer are dependent on your personal circumstances

The Nationwide credit card above is issued as a Visa card and the Tesco, Halifax, and Bank of Scotland cards are all issued as a MasterCard.

A high credit limit balance transfer will also be affected by the maximum balance transfer amount that the credit card company will allow as a percentage of the customer’s overall credit limit. Some credit card companies will allow 90% and some others 95% of a customer’s credit limit to be used for a balance transfer.


Related Content From Balance Transfer Expert:-

Today Balance Transfer Expert has:-

104 UK 0% balance transfer credit cards offering:-

  • 0% balance transfers for up to 40 months with a 2.69% fee
  • 0% balance transfers for up to 33 months with a 0.57% fee
  • 0% balance transfers for up to 29 months with no fee