[£20 CASHBACK] Halifax Clarity Credit Card - (on any purchase abroad in foreign currency) - HotUKDeals
We use cookie files to improve site functionality and personalisation. By continuing to use HotUKDeals, you accept our cookie and privacy policy.
Get the HotUKDeals app free at Google Play

Search Error

An error occurred when searching, please try again!

Login / Sign UpSubmit
561

[£20 CASHBACK] Halifax Clarity Credit Card - (on any purchase abroad in foreign currency)

£0.00 @ halifax bank
Halifax is now offering £20 Cashback for people who take out the card from today until 3rd September 2017. All you have to do is spend ANY amount abroad in foreign currency by 30th September 2017. … Read More
iLoveForums Avatar
2w, 2d agoFound 2 weeks, 2 days ago
Halifax is now offering £20 Cashback for people who take out the card from today until 3rd September 2017. All you have to do is spend ANY amount abroad in foreign currency by 30th September 2017.

Cashback conditions as on site:

- Cashback offer valid on accounts opened by 3rd September 2017
- The £20 cashback will only apply on the first transaction made abroad by 30th September 2017
- The £20 cashback will be applied to your credit card retail balance within 90 days of the transaction being made
- The cashback offer is only valid on one transaction per customer

So if the card wasn't good enough already this might be the reason you want to apple, additional benefits include: (there is also another thread which includes these benefits but though id mention anyway)

- No fee to use anywhere worldwide (interest charges apply)
- No cash withdrawal fee (interest charges apply and some ATM providers may charge a fee)
- No annual fee

More From halifax bank:
iLoveForums Avatar
2w, 2d agoFound 2 weeks, 2 days ago
Options

All Comments

(87) Jump to unreadPost a comment
Comments/page:
Page:
2 Likes #1
I always get knocked back for one of these cards despite having a perfect credit record. The only thing I can think of is exposure as I have a lot of cards but none of them utilised.... Should start closing em down really.
#2
Thanks op,had been meaning to apply for ages,and the £20 cashback PLUS the fees AMEX have just charged me for use abroad have made me go ahead and apply,cheers
#3
cjhilton49
Thanks op,had been meaning to apply for ages,and the £20 cashback PLUS the fees AMEX have just charged me for use abroad have made me go ahead and apply,cheers

No worries, glad your going to benefit for it, i'm also on the same boat tbh got charged abroad 2 years ago for my amex so looking like i'm going to avoid it this year :)
1 Like #4
Herc
I always get knocked back for one of these cards despite having a perfect credit record. The only thing I can think of is exposure as I have a lot of cards but none of them utilised.... Should start closing em down really.


Get a Supercard and link it to your current card. Just be aware that you can't put a charge hold on it. When I am abroad I use Amex to guarantee any room extras, then when I check out I switch it to the Supercard.

https://www.travelex.co.uk/services/supercard
#5
i got my card last week do, you think i will get the cashback or do you have to apply for the card from today onwards?
#6
grifo
i got my card last week do, you think i will get the cashback or do you have to apply for the card from today onwards?

Honestly have no idea, guess its best to ring them and ask to see if they will allow it. Also if you can please update us so we know
#7
No fees i got and if dont pay in time you pay interest. But you pay conversion on each transaction? Right.
#8
Yeah wondering if this applies to existing customers - not that I'm going to fly abroad to get £20 cashback lol
#9
zakkyb
Yeah wondering if this applies to existing customers - not that I'm going to fly abroad to get £20 cashback lol

Yeah i don't think anybody will but people usually go away around this time or before it if they're going on holiday so it works in their favour, i have no idea for certain but i'm guessing its for new customers.
#10
zakkyb
Yeah wondering if this applies to existing customers - not that I'm going to fly abroad to get £20 cashback lol

Saying that the terms and conditions state "opened by 3rd September 2017" which technically would mean everyone hmm really not sure tbh
1 Like #11
definitely cheap to use abroad, I've had one for years. customer service nowhere as good as others like amex though. have had a few small issues like being overcharged and response was that I keyed in pin so there's nothing they can do to help. also credit limit got cut from 5k to 500 which made it less useful on holiday. bottom line is get a nw select card with no fees abroad as a back up....

Edited By: CheapLife on May 09, 2017 16:16: corrected error
2 Likes #12
i got monzo card recently, they are pretty good i used it in Greece. Don't use euro bank cash machine you will get charge commission
#13
Great card, highly recommended if your travelling abroad. Used mine at the beginning of the month, spent over a grand (multiple ATM cash withdrawals and purchases) and only got charged about £4 interest. No problems with any transactions, as opposed to when I used my Supercard last year.
#14
Got accepted thanks OP. Fancied one of these for a while and the free £20 was a sweet biting point!
#15
Awesome, going on a cycle tour soon. The card that keeps on giving...
#16
bryngreen
Got accepted thanks OP. Fancied one of these for a while and the free £20 was a sweet biting point!
Great news! :)
#17
eliHd452
i got monzo card recently, they are pretty good i used it in Greece. Don't use euro bank cash machine you will get charge commission


Yes - Monzo is much better if you intend to use cash points abroad as you're not subject to interest charges. Also has excellent security features. Another happy user.
1 Like #18
sgc
eliHd452
i got monzo card recently, they are pretty good i used it in Greece. Don't use euro bank cash machine you will get charge commission


Yes - Monzo is much better if you intend to use cash points abroad as you're not subject to interest charges. Also has excellent security features. Another happy user.


If you need cash abroad with Clarity, just ring up and pay the balance as soon as you've taken cash out.
#19
I wonder if "transaction made abroad" would include dealextreme, eBay or similar?
#20
That's really annoying, since i applied for one Friday evening, and haven't even got my card yet!
#21
grifo
i got my card last week do, you think i will get the cashback or do you have to apply for the card from today onwards?


Would love to know this too if you do find out
#22
sgc
eliHd452
i got monzo card recently, they are pretty good i used it in Greece. Don't use euro bank cash machine you will get charge commission
Yes - Monzo is much better if you intend to use cash points abroad as you're not subject to interest charges. Also has excellent security features. Another happy user.

If you're on your phone.... Just bank transfer/pay it straight off while there. I personally just loaded mine up with a small amount. Less than £100. But I know you're not supposed too. Either way, talking very little sums for the best exchange rate.
1 Like #23
Just came back from Thailand, I read all the reviews on this card and thought it sounded good. What a nightmare, worked with 2 retailers and then was not accepted for the rest of the 2 weeks. Made several phone calls to Halifax, which in itself was difficult and after promise after promise the card was still refused at hotels and retailers. Luckily I had another card for emergencies. You will be charged 220 baht for cas withdrawals at arm's whatever card you use in Thailand so be aware if you go because you will need cash if you visit the many amazing markets or if you venture off the beaten track.
Amazing country, Bad card
#24
Need a new credit card and going on holiday next month. Perfect timing!! Just what I needed!
#25
Heat, I've been using this since 2014... used it abroad for about 9 months and whenever I go on holidays now... cannot go wrong and £20 cashback is a sweet little bonus.

I find the rates for cash withdrawal from ATMs abroad are not too far off the normal exchange rate... at times it was even better in fact.. not sure what others have experienced or can advise to do with this.
#26
DarrylJohn
sgc
eliHd452
i got monzo card recently, they are pretty good i used it in Greece. Don't use euro bank cash machine you will get charge commission
Yes - Monzo is much better if you intend to use cash points abroad as you're not subject to interest charges. Also has excellent security features. Another happy user.
If you're on your phone.... Just bank transfer/pay it straight off while there. I personally just loaded mine up with a small amount. Less than £100. But I know you're not supposed too. Either way, talking very little sums for the best exchange rate.

It's an option but there is always a risk of unexpected interest rates (e.g. if there is a delay in paying off the Clarity card) - a risk that isn't present with Monzo.
Security wise, I think that the ability to freeze the Monzo card instantly when using as a card abroad is a hugely - even if the card is used fraudulently after your return, you will know within seconds and can block further transactions immediately.
#27
If I buy things from Amazon.it, would it consider?
1 Like #28
rprp
sgc
eliHd452
i got monzo card recently, they are pretty good i used it in Greece. Don't use euro bank cash machine you will get charge commission

Yes - Monzo is much better if you intend to use cash points abroad as you're not subject to interest charges. Also has excellent security features. Another happy user.

If you need cash abroad with Clarity, just ring up and pay the balance as soon as you've taken cash out.

But with Monzo, you can top up via the app instantly and not have to make calls abroad which could cancel out the forex benefit and cost time. The clarity card is a credit card whereas the Monzo card is a prepaid debit card (at the moment) making is more suited to cash withdrawals.

The best bet is probably to have both so that you have options open to you and the benefits of using a credit card abroad in circumstances other than at a cash point.
#29
howlingwolf20000
Just came back from Thailand, I read all the reviews on this card and thought it sounded good. What a nightmare, worked with 2 retailers and then was not accepted for the rest of the 2 weeks. Made several phone calls to Halifax, which in itself was difficult and after promise after promise the card was still refused at hotels and retailers. Luckily I had another card for emergencies. You will be charged 220 baht for cas withdrawals at arm's whatever card you use in Thailand so be aware if you go because you will need cash if you visit the many amazing markets or if you venture off the beaten track.
Amazing country, Bad card


I had no problem using the card when I was in Bangkok in any place that accept MasterCard. For cash withdrawal, the charges are because the local bank charge you for the fees not Halifax. If not mistaken, they used to have some banks in Thailand didn't charge any fee, but now is standard that every bank in Thailand charge the same fees. However, if u just do one bigger transfer, a £5 fee + the MasterCard stock rate still better than most places.
#30
howlingwolf20000
Just came back from Thailand, I read all the reviews on this card and thought it sounded good. What a nightmare, worked with 2 retailers and then was not accepted for the rest of the 2 weeks. Made several phone calls to Halifax, which in itself was difficult and after promise after promise the card was still refused at hotels and retailers. Luckily I had another card for emergencies. You will be charged 220 baht for cas withdrawals at arm's whatever card you use in Thailand so be aware if you go because you will need cash if you visit the many amazing markets or if you venture off the beaten track.
Amazing country, Bad card
Travelled through SE Asia using this card everywhere, for every hotel and a number of different retailers. Even used it in a hospital in Bangkok ;) - this card was amazing and I never had a single issue with it even spending thousands in a single transaction.
#31
DarrylJohn
sgc
eliHd452
i got monzo card recently, they are pretty good i used it in Greece. Don't use euro bank cash machine you will get charge commission
Yes - Monzo is much better if you intend to use cash points abroad as you're not subject to interest charges. Also has excellent security features. Another happy user.

If you're on your phone.... Just bank transfer/pay it straight off while there. I personally just loaded mine up with a small amount. Less than £100. But I know you're not supposed too. Either way, talking very little sums for the best exchange rate.



Doesn't need to be so complicated. Just withdraw the money and then use internet banking to do the payment on the same day. The amount will be paid first for cash advance credit and then only the purchases.

Tips: if you want to know what's the exchange rate u had, can simply check the pending transactions or use remaining credit to figure out.
#32
I've had mine a few years now and still using it regularly as my de facto card abroad. (I spend a few months in Asia each year).

Never had an issue with it. They are tight on credit limit at first. Think they started me at £500 but now a more usuable £2k. I set up a direct debit to clear the balance each month. So I just use it and forget about it.

Used for hotel bookings, cash advances, online ticket purchases.
#33
Great card. Been using it for a year abroad with no problems.
#34
Got this card about a month ago, might drop them a call and see if I will be offered this.
#35
nehurane
No fees i got and if dont pay in time you pay interest. But you pay conversion on each transaction? Right.
If you don't pay every month you get charged interest just like most cards and if you take out money from an atm you get charged interest straight away. If you are in the states you pay in dollars and you get the exchange rate of the day which is a huge amount better than if you were to exchange pounds for dollars in the UK. It's a fantastic card for everything but using in an atm, but it's a credit card so that's always going to be the case.
#36
scottishpunter
[Get a Supercard and link it to your current card. Just be aware that you can't put a charge hold on it. When I am abroad I use Amex to guarantee any room extras, then when I check out I switch it to the Supercard.https://www.travelex.co.uk/services/supercard

Where's the money, what's in it for them?
#37
The card in principle is great, i have used it a lot.
but beware, i had a atm transaction show up twice when i was in Frankfurt. I asked halifax for help to rectify it but they refused claiming it was chip and pin.

It has worked well most of the time apart from the duplicate transaction. they seem to be very unhelpful
#38
DarrylJohn
sgc
eliHd452
i got monzo card recently, they are pretty good i used it in Greece. Don't use euro bank cash machine you will get charge commission
Yes - Monzo is much better if you intend to use cash points abroad as you're not subject to interest charges. Also has excellent security features. Another happy user.

If you're on your phone.... Just bank transfer/pay it straight off while there. I personally just loaded mine up with a small amount. Less than £100. But I know you're not supposed too. Either way, talking very little sums for the best exchange rate.


yep, same here. Just transfer an amount in sterling to your card, say 24 hours prior to needing to withdraw currency locally from an ATM & the debit should get countered by this credit. Great card and superb exchange conversion rates, as long as you always do any transaction in the local currency and not accept the conversion to sterling at the time.
1 Like #39
Just back from Japan, I used the Monzo card for cash ATM withdrawals, and the Halifax Clarity card for card purchases. No fees at all, both using the Mastercard base rate for currency conversion. A great combination.
1 Like #40
Applied for it and got it.
Heading to the states in 3 weeks this will be handy thanks !

Post a Comment

You don't need an account to leave a comment. Just enter your email address. We'll keep it private.

...OR log in with your social account

...OR comment using your social account

Top of Page
Thanks for your comment! Keep it up!
We just need to have a quick look and it will be live soon.
The community is happy to hear your opinion! Keep contributing!