Going on holiday this Summer? Halifax Clarity credit card - No fees to use anywhere in the world - HotUKDeals
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This credit card is great if you are going on holiday abroad as you can make purchase transactions and incur no fees with a perfect exchange rate. Usually you have to pay a fee when using your card abroad.

The Halifax Clarity credit card has no usage fees:

No fee to use it anywhere worldwide
No cash withdrawal fee
No annual fee
No fee to transfer a balance (12.9% APR)

Also for Halifax Reward customers if you spend £300 in a month you get £5 cashback
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Chanchi32 Avatar
[helper] 2y, 4m agoFound 2 years, 4 months ago
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Top Comments

(5)
28 Likes
Old news?
12 Likes
used one for years does excatly what it says on the tin, great exchange rates too

use abroad, pay it off same day no fees what so ever !!!! - happy holidays
11 Likes
husain_kola
One tip everyone is to remember when you are asked overseas 'do you wish to pay in Pounds or....' always choose pounds when using this card

If in Spain for example, they will ask Pounds or Euros, if you choose Euros then the card machine company and the business makes money and you lose out, the rate is not better.

I have had this card for a while and always use it, works out better rate than using cash exchanged from the shops!!

Just set up a direct debit and pay it off in full
completely wrong
6 Likes
husain_kola
One tip everyone is to remember when you are asked overseas 'do you wish to pay in Pounds or....' always choose pounds when using this card

If in Spain for example, they will ask Pounds or Euros, if you choose Euros then the card machine company and the business makes money and you lose out, the rate is not better.

I have had this card for a while and always use it, works out better rate than using cash exchanged from the shops!!

Just set up a direct debit and pay it off in full

WRONG................................

NEVER EVER PAY IN POUNDS!!!!

From MSE.....

If I spend abroad and they let me pay in pounds, is it worth it?

This is called dynamic currency conversion, and usually should be avoided. Often the rate you get will be appalling and someone will be making big money out of it.

If you’ve got one of the specialist overseas cards, you’ll get a much better rate paying in the foreign currency rather than pounds.

Even if you’re using a normal card, as you’ve no idea of the relative exchange rates they could be playing you for a fool; so it's usually best to stick with paying in the foreign currency. For a great example of this, read Martin's blog.

If you're travelling to Spain, watch out for this when withdrawing money from cash machines too. You'll often be asked if you want to have your money converted into sterling when withdrawing euros from ATMs. The general rule is to say no, as you could get a worse rate than the one you’d be given by your own plastic provider.

A few machines now tell you the commission/load they add to the currency. If this is less than your card's own load (eg, it's 2.5% and your card is 2.75%) opt to pay in pounds. But if you have one of the specalist cards featured here, they’re always unbeatable so select euros.

http://www.moneysavingexpert.com/travel/cheap-travel-money
5 Likes
winchman
Drawing cash from a credit card is bad for your credit rating, shows bad financial planning by all accounts, surely if you have this card and pay off same day using Internet banking you should get bonus points ;-)


Absolute rubbish - it will have no impact on your credit rating.

All Comments

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[helper] 1 Like #1
http://oi60.tinypic.com/2qtj20z.jpg

Edited By: Chanchi32 on Jul 09, 2014 22:03
#2
Gets posted every once in a while, usually when Martin Lewis emails about it. Looks good if you are going somewhere they'll take cards .
12 Likes #3
used one for years does excatly what it says on the tin, great exchange rates too

use abroad, pay it off same day no fees what so ever !!!! - happy holidays
28 Likes #4
Old news?
2 Likes #5
best credit card for overseas use since sliced bread. HOT
4 Likes #6
capital one also the same, plus 0.5% unlimited cashback
2 Likes #7
Great deal for people not already aware of this card. Have used continuously abroad over the past year.
2 Likes #8
I use the post office one
1 Like #9
I got a capital one card and they gave me £100 limit! What good is that??!! Good deal, hot from me :0)
1 Like #10
irishwales1
used one for years does excatly what it says on the tin, great exchange rates too

use abroad, pay it off same day no fees what so ever !!!! - happy holidays


? .. Pay-Off 'Same Day' while you're still on Holiday? .. huh ..... lol. :-)
#11
betterthanbuffy
I got a capital one card and they gave me £100 limit! What good is that??!! Good deal, hot from me :0)


And an almost 50% Interest Rate too! .. your better off with a sodding Bank Loan at that 'Rate'? (no pun intended ..... lol).
#12
monone
best credit card for overseas use since sliced bread. HOT
Agree;
Also got one.
Have compared same day conversion with 2 other brands; Hfax bettered both.
Have some heat;
People should use this to save themselves some money.
#13
I use Post Office one.
2 Likes #14
I have a Norwich & Peterborough debit card that I use when abroad, no non-sterling transaction fees like the Halifax credit card, but no interest to pay as it's not a credit card :)
#15
Publix
monone
best credit card for overseas use since sliced bread. HOT
Agree;
Also got one.
Have compared same day conversion with 2 other brands; Hfax bettered both.
Have some heat;
People should use this to save themselves some money.

All cards use the same conversion, either Visa or Mastercard's rate, the difference is all down to what the bank/credit card company's non-sterling transaction fee is.
4 Likes #16
kneale81
Publix
monone
best credit card for overseas use since sliced bread. HOT
Agree;
Also got one.
Have compared same day conversion with 2 other brands; Hfax bettered both.
Have some heat;
People should use this to save themselves some money.

All cards use the same conversion, either Visa or Mastercard's rate, the difference is all down to what the bank/credit card company's non-sterling transaction fee is.
Spin it how you like, the Hfax still gives me the best bottom line on overseas purchases.
3 Likes #17
Publix
kneale81
Publix
monone
best credit card for overseas use since sliced bread. HOT
Agree;
Also got one.
Have compared same day conversion with 2 other brands; Hfax bettered both.
Have some heat;
People should use this to save themselves some money.

All cards use the same conversion, either Visa or Mastercard's rate, the difference is all down to what the bank/credit card company's non-sterling transaction fee is.
Spin it how you like, the Hfax still gives me the best bottom line on overseas purchases.

I'm not spinning anything (_;) There ARE other cards that do not charge any non-sterling transaction fees.
#18
Drawing cash from a credit card is bad for your credit rating, shows bad financial planning by all accounts, surely if you have this card and pay off same day using Internet banking you should get bonus points ;-)
1 Like #19
Thanks good to know... now to book that holiday X)
1 Like #20
But if you already have a halifax credit card, forget it, they only let you have 1 card.
1 Like #21
decent credit card although its a normal offering from halifax. nothing new
#22
Barclaycard do very similar. Maybe not QUITE as good as this but use it abroad quite a bit and when comparing back home it gets mid-market rates as per xe.com for the day of purchase.
Doesn't seem to be a fee involved there either.

Edited By: mercutio98uk on Jul 09, 2014 23:35
3 Likes #23
Wish I had a quid everytime this was mentioned. Hotuksamedeals.com
1 Like #24
You wont get 12.9%. it'll be mostly 21.9%

Hot deal, er no, just a standard thing.
#25
Lorian
But if you already have a halifax credit card, forget it, they only let you have 1 card.

This is true, ONE Halifax credit card only.
1 Like #26
Ps. I loaded mine up before going on holiday. No charges at all. Best card on the market for this without doubt.
1 Like #27
irishwales1
used one for years does excatly what it says on the tin, great exchange rates too

use abroad, pay it off same day no fees what so ever !!!! - happy holidays

THE best exchange rates I've ever gotten. Including on cash, especially if you do as you state, ie pay off immediately (like, from a banking app).

Love mine.
#28
This isn't a deal, but I guess raising awareness can't hurt...
#29
anyone know the better rate of withdrawing say €100 on this card then paying off after 10 days away or withdrawing from debit card? Also stupid question but how do you pay off straight away? mine just comes out by DD.
4 Likes #30
Coney
You wont get 12.9%. it'll be mostly 21.9%

Hot deal, er no, just a standard thing.

I got 12.9%.......................
IF
You use this card correctly and ONLY for when you go abroad, it is THE best way to use money abroad, hands down!
There are similar cards, but the Clarity from Halifax is the Coca Cola of credit cards to use when your abroad.

Tried and tested, converted and SWEAR by it!!
5 Likes #31
winchman
Drawing cash from a credit card is bad for your credit rating, shows bad financial planning by all accounts, surely if you have this card and pay off same day using Internet banking you should get bonus points ;-)


Absolute rubbish - it will have no impact on your credit rating.
#32
herby247
Coney
You wont get 12.9%. it'll be mostly 21.9%

Hot deal, er no, just a standard thing.

I got 12.9%.......................
IF
You use this card correctly and ONLY for when you go abroad, it is THE best way to use money abroad, hands down!
There are similar cards, but the Clarity from Halifax is the Coca Cola of credit cards to use when your abroad.

Tried and tested, converted and SWEAR by it!!

What a load of rubbish
#33
Any tcb?
#34
kneale81
I have a Norwich & Peterborough debit card that I use when abroad, no non-sterling transaction fees like the Halifax credit card, but no interest to pay as it's not a credit card :)

Only their current accounts do that now. They charge for gold light these days.
3 Likes #35
leedale30
herby247
Coney
You wont get 12.9%. it'll be mostly 21.9%

Hot deal, er no, just a standard thing.

I got 12.9%.......................
IF
You use this card correctly and ONLY for when you go abroad, it is THE best way to use money abroad, hands down!
There are similar cards, but the Clarity from Halifax is the Coca Cola of credit cards to use when your abroad.

Tried and tested, converted and SWEAR by it!!

What a load of rubbish

Aye ok, thats how this deal has went hot front page in less than 2 hours, and is ALWAYS the top card on MSE .....
http://www.moneysavingexpert.com/travel/cheap-travel-money

Dont talk mince!!
1 Like #36
I've had one of these for a few years now ..

I only use it when abroad ... It's ideal for holidays!
1 Like #37
herby247
leedale30
herby247
Coney
You wont get 12.9%. it'll be mostly 21.9%

Hot deal, er no, just a standard thing.

I got 12.9%.......................
IF
You use this card correctly and ONLY for when you go abroad, it is THE best way to use money abroad, hands down!
There are similar cards, but the Clarity from Halifax is the Coca Cola of credit cards to use when your abroad.

Tried and tested, converted and SWEAR by it!!

What a load of rubbish

Aye ok, thats how this deal has went hot front page in less than 2 hours, and is ALWAYS the top card on MSE .....
http://www.moneysavingexpert.com/travel/cheap-travel-money

Dont talk mince!!

'The best way of using money abroad' you said! What about the N&P account, no fees and no interest as it is a building society account. You need money from an ATM use the N&P, you want to buy something with a credit card use the Clarity - but sometimes taking cash is the best, locate the best rates for transactions and change, then you are not using the UK banks crap exchange rates. I travel a lot and have set up overseas banks to transfer (in sterling, best conversion rates) cash, this for me is my 'best way of using money abroad' but only for me. Quite a general sweeping statement you used but if you want to buy some 'mince' in another country and you need to get cash out of the ATM use the N&P.

PS I have a clarity card for abroad emergencies.

Edited By: leedale30 on Jul 10, 2014 00:11
4 Likes #38
We use ours to withdraw cash from ATM abroad. It saves taking lots of currency with you, and we also try and have enough left over for our 'starter-cash' for the next trip. But a couple of things to bear in mind....make sure the owner of the ATM does not charge for the service. Most don't but look out for the screen message at the start that tells you "you will not be charged for using this machine". If it says otherwise, find a different ATM! It's completely separate from the charge that some card providers make for using their cards to withdraw cash. Secondly, very importantly, you will probably be given a screen option to have your card charged in £ or the foreign currency. Never choose the £ price as the exchange rate will be that of the ATM owner on the day rather than the Halifax rate. Be charged in the foreign currency and Halifax will convert it to £ when they bill you. As soon as you get home, go online and settle the full balance for any cash withdrawals because Interest is charged from the date of withdrawal. With regard to paying the balance off the same day, I'm wary of logging into my bank account on any network other than my home one so won't use hotel or airport wifi for anything other than browsing and emails. I'm not sure about pre-loading the card before you go - I'd like to try it but have hard that some credit card providers don't like it? We've found the Halifax Clarity exchange rate to be at least as good as any offering on the high street and isn't tiered so small amounts withdrawn get just as good a rate as larger amounts. Talking of which, also bear in mind the daily limit for withdrawals, perhaps check it out before you travel and also have an idea of where the nearest ATM will be.
#39
Lorian
But if you already have a halifax credit card, forget it, they only let you have 1 card.

I've had this card for years for holidays and general use, took a different one out last year to pay off a balance
#40
winchman
Drawing cash from a credit card is bad for your credit rating, shows bad financial planning by all accounts, surely if you have this card and pay off same day using Internet banking you should get bonus points ;-)


That's not even true ask your credit card company. They don't report individual transactions to your credit report. You can withdraw as much cash as you want that's how they make there money in the cash withdrawal fee. Just don't use a credit card to fund a online gambling account - Big mistake!

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