Clarity Credit Card - Halifax. No cash withdrawal fee, no balance transfer fee,
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Clarity Credit Card - Halifax. No cash withdrawal fee, no balance transfer fee,

238
Found 4th Apr 2012
Probably not for everyone, but a good deal if your looking for this type of freedom:

No cash withdrawal fee.
No balance transfer fee.
No fee to use it anywhere worldwide.
No annual fee.

Purchase rate:
12.92% p.a. (variable)

Representative APR:
12.9% APR (variable)


+ £10 cashback through topcashback
- t_e_b

OR
+ £10 cashback through Quidco
- hqq
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238 Comments
smashing card to have for your hols abroad. No fees for anything.
Surely this should be in freebies?
Is it also £5 reward each moth if you spend £300 ?. I know my clarity is
Sounds awesome. I use a nationwide one normally. Think thats free from fees too but not sure!??
Nice card, we used this on our honeymoon in the States
I wouldn't classify getting into debt as 'freedom', in fact quite the opposite, but if you have to have a card then this one seems ok with the lack of fees.
Really happy with it! was using during my trip through south america... didnt charge me any fees in most places. Really good product from Halifax. Highly recommended.
i'm waiting for mine to arrive, ordered few weeks ago.
i applied for this last year as it was very good for withdrawing money from ATM machines in europe. Don't think this facility is that good anymore.

in any case, the mutts refused me. the cheek. oO
please excuse my ignorance but they say on withdrawing cash abroad interest will be charged from day1...does that mean that by the time I get the monthly statement the interest would have already been added on? will I be able to avoid paying interest if I pay the balance in full (or at least minimum payment)?
Was wondering: If I have a positive balance before a cash withrawal (or payed in full immediately after), would I get away with not paying the full monthly APR?? X)
It's not entirely fee free for overseas withdrawls but the interest that they charge is a pitance compared to what you'll pay with any standard credit card. It was my choice for 6 months around SE Asia but I can't quite decide which category this should be in....
sam1970

please excuse my ignorance but they say on withdrawing cash abroad … please excuse my ignorance but they say on withdrawing cash abroad interest will be charged from day1...does that mean that by the time I get the monthly statement the interest would have already been added on? will I be able to avoid paying interest if I pay the balance in full (or at least minimum payment)?



Yes, they add interest from as soon as you make a withdrawal so if you leave it to your statement to pay you'll have to pay quite a bit of interest. You can pay it off sooner though of course manually.
natsume

Was wondering: If I have a positive balance before a cash withrawal (or … Was wondering: If I have a positive balance before a cash withrawal (or payed in full immediately after), would I get away with not paying the full monthly APR?? X)



This is what i did when i lived abroad for 6 months last year with the Santander CC. Withdrew money then paid straight away via online banking. I also had credit on it and used it as Prepaid card! Halifax's online banking is very quick so if u have halifax its a winner.
natsume

Was wondering: If I have a positive balance before a cash withrawal (or … Was wondering: If I have a positive balance before a cash withrawal (or payed in full immediately after), would I get away with not paying the full monthly APR?? X)



That is against the T&Cs, but you can set up a transfer to pay it off right away after the withdrawal.
Weird, just off the phone to get this for my hols. Asked about the cash withdrawal, was advised to use at ATM and then go straight onto ur online banking and pay off balance, if u don't u will get charged appox £1/mth for every£100 taken out. Not everyone will get the 12.9%, this is advised at the end of the application. And ask about the £5 reward when u spend £300/mth only if u do it via phone or online and have a reward Halifax card, she was unaware of it and had to confirm.
PAUL7331

Sounds awesome. I use a nationwide one normally. Think thats free from … Sounds awesome. I use a nationwide one normally. Think thats free from fees too but not sure!??


They used to be, but i know for my debit card that recently changed
good
Megaaaaaaaaaaaa deal, especially for those who are looking to change credit card provider.
Pau131g

Weird, just off the phone to get this for my hols. Asked about the cash … Weird, just off the phone to get this for my hols. Asked about the cash withdrawal, was advised to use at ATM and then go straight onto ur online banking and pay off balance, if u don't u will get charged appox £1/mth for every£100 taken out. Not everyone will get the 12.9%, this is advised at the end of the application. And ask about the £5 reward when u spend £300/mth only if u do it via phone or online and have a reward Halifax card, she was unaware of it and had to confirm.



So you mean that the only way to get the £5 for over £300 spend is to have their award account ---> this one halifax.co.uk/ban…nt/ which costs about £10 a month to use.. : (
Just applied and approved. I have their One card but only really use it for online and when abroad a few times a year so I should save a few quid.
What credit limit do they offer, is it a standard limit to start?
Not sure about this
Jammy007

What credit limit do they offer, is it a standard limit to start?



I think my limit is £2000. Got one last year for a trip abroad but it didn't arrive in time.
Jammy007

What credit limit do they offer, is it a standard limit to start?



I 'd like to know too. Is this card only for people with excellent credit rating???

What credit ref. agency they use??? Experian or Equifax???
Edited by: "kris1234" 4th Apr 2012

Purchase rate: 12.92% p.a. (variable)



What does that mean? 12.92% for every completed purchase? oO

No u don't need the ultimate just the reward card account which is free. I got the 12.9% and a £11k limit.
answers to the questions i am guessing will want answering most.

1. you can NOT preload it with a positive balance to avoid interest on cash withdrawals. (it states this in the T&C's)
2. it charges interest on cash withdrawals from the day the cash is withdrawan but its nothing to worry about really.*
3. no other fee's and exchange rate used is actual rate on day of use.

* withdraw £300 @ 12.90% PA = roughly 10p per day in interest. so even if you leave paying off for the whole month, about £3.00 in interest.

edit to make clear. as with all credit cards, pay off in full each month regardless of how youve used it to avoid any fee's/interest other than cash advance as shown above.






Edited by: "pfpf" 4th Apr 2012
Agree with previous comments- great card for withdrawing cash whilst abroad- the interest fees pale in comparison with most other banks' fees and you get credit card protection too. That and I didn't have any problems whatsoever with my card getting cancelled whilst I was away, or having to phone card security/ fraud from half way around the world- just told them beforehand that i'd be travelling south america for 6 months and no issues at all. I was really impressed, couldn't have been happier with it! Got great exchange rates on cash withdrawals too. No brainer!
h0lz

What does that mean? 12.92% for every completed purchase? oO



Read the summary box. If you pay your monthly balance in full each month then you will never be charged interest … Same as any credit card.
natsume

So you mean that the only way to get the £5 for over £300 spend is to h … So you mean that the only way to get the £5 for over £300 spend is to have their award account ---> this one http://www.halifax.co.uk/bankaccounts/current-accounts/ultimate-reward-current-account/ which costs about £10 a month to use.. : (



no thats incorrect. I have the reward current account which they pay £5 a month into (think you need to pay £1000 a month in) and the clarity credit card which I get £5 a month for spending £300 a month on. There's also £10 quidco available for successfully applying for this card too!
Edited by: "maddoglewis" 4th Apr 2012
I go away soon, is it worth me getting this? I would probably only withdraw about £400 max whilst abroad.
hi all, how do people compare this to the post office card?
cheers2

I think my limit is £2000. Got one last year for a trip abroad but it … I think my limit is £2000. Got one last year for a trip abroad but it didn't arrive in time.



How long does the card take to arrive from initial application? Thanks for the info by the way
I've had this card since it came out. The £5 for spending £300 is a nice bonus when I occasionally go over that amount but personally where it really shines is on overseas transactions - you get the bank rates of currency conversions so beats the likes of travelex etc hands down.
For comparisons go to Martin money saving bloke's website. He compares credit cards fairly often and this has been the best for some time.
maddoglewis

no thats incorrect. I have the reward current account which they pay £5 a … no thats incorrect. I have the reward current account which they pay £5 a month into (think you need to pay £1000 a month in) and the clarity credit card which I get £5 a month for spending £300 a month on. There's also £10 quidco available for successfully applying for this card too!



Thanks for the info... Going straight to a reward current/quidco/credit card combo
Jammy007

How long does the card take to arrive from initial application? Thanks … How long does the card take to arrive from initial application? Thanks for the info by the way



I think the process was between 4 and 8 weeks, I don't recall specifics.

BTW, purchases using this card do not incur interest in UK or abroad, but cash withdrawal in both instances DO incur interest.

The major selling point of this card is that it gives you a fantastic exchange rate (the "real" one, rather than the deflated prices you will get from exchange agents) without any fee. The advice I would give is: get one, bring it with you and use it for all your card purchases, but bring actual cash with you for everything else.
The beauty of this card is that you can take out small amounts rather than being left with lots of foreign currency.

Plus the rate you get is unbeatable! When I went to France, my friends got Euros at 1.15 from M&S whereas I got between 1.20 and 1.21!
Is cancelling this card easy?
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