Halifax Clarity Card - £20 cashback! Travel abroad with one simple rate & no usage fees whatsoever
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Halifax Clarity Card - £20 cashback! Travel abroad with one simple rate & no usage fees whatsoever

33
Found 24th Dec 2017
Halifax is now offering £20 Cashback for people who take out the card from today until 28th February 2018. All you have to do is spend ANY amount abroad in foreign currency by 31st March 2018

Great for the holidays

- Cashback offer valid on accounts opened by 28th February 2018
- The £20 cashback will only apply on the first transaction made abroad by 31st March 2018
- 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 go to the big 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

From MSE but not exclusive

p.s rates are set by mastercard they can't rip you off with low rates
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33 Comments
Great card. Had one for years.
Revolut also worth a look, if you prefer the pre-paid type of card and a nice app to monitor spending.
You can hold accounts in multiple currencies and their rates are very good.
(It also allows you to buy and sell Bitcoin and Ethereum now)
foxymeister8 m ago

Already posted …Already posted https://www.hotukdeals.com/deals/it-back-20-cashback-on-halifax-clarity-card-great-for-withdrawing-cash-and-spending-abroad-with-no-fees-whatsoever-2834915


Same person posted that and this.. He probably would say it's more than a month and would want to remind people who missed
Great card. Has been our choice of travel card for years.
cutthroat_jake27 m ago

Great card. Had one for years.Revolut also worth a look, if you prefer the …Great card. Had one for years.Revolut also worth a look, if you prefer the pre-paid type of card and a nice app to monitor spending.You can hold accounts in multiple currencies and their rates are very good.(It also allows you to buy and sell Bitcoin and Ethereum now)




Starling Bank is better than both Revolut and Halifax Clarity Card.

It's a full UK Bank Account with Debit Card (Unlike Halifax which is CC and Revolut which is pre-paid only), Allows you to do everything via the app with instant live chat (and Very helpful live chat IMHO), with full ?£85,000 or £75,000 funding protection by the UK Government unlike Revolut. It's also easier to get than the Halifax Card as it's debit rather than credit. Unlike Halifax, it allows free cash withdrawals without the need to do an instant bank transfer to avoid paying interest on the cash withdrawal (As it's debit rather than credit card).

The only reason I would get this card is if you need it for the protection on transactions over £100. I wouldn't be swayed between the two on a single £20 transaction.

Saying that, I have both Starling Bank & Halifax CC as you do not want to be half way around the World when you find out your piece of plastic suddenly fails to pay for a bill. It's good to have a back-up. But Starling is definitely my go-to card - no issues yet. Obviously if you're just trying to pay online in a different currency, then you only need the one!
Edited by: "Firefly1" 24th Dec 2017
Original Poster
vassy137 m ago

Same person posted that and this.. He probably would say it's more than a …Same person posted that and this.. He probably would say it's more than a month and would want to remind people who missed


Yup Hope you're bt deal went well
So if you purchase abroad and pay off balance by next statement, are there no charges at all and no interest?
This is not just for travel abroad but one of the best card for non sterling transactions...
Original Poster
curr11 m ago

So if you purchase abroad and pay off balance by next statement, are there …So if you purchase abroad and pay off balance by next statement, are there no charges at all and no interest?


Thats correct. Please not for cash withdrawals you will pay interest straight away. But as soon as you made the purchase log into online banking and pay it off. Then there is no interest
I have this card,the only charge I find is for cash withdrawals but that is dependant on the machine, it's a small charge like using one in local pub and is normally a couple pound per transaction. There is also the interest charge from day one for cash as anon32 has already said about. I love this card!
curr25 m ago

So if you purchase abroad and pay off balance by next statement, are there …So if you purchase abroad and pay off balance by next statement, are there no charges at all and no interest?


But if you use Starling, you can purchase abroad and it just comes out of your bank account like a normal current account (as it is!). There is therefore no interest. There is no messing around trying to get online banking in Fiji (where I'm off to in a couple of months!) with limited/expensive internet access to pay off ATM transactions instantly.


If you are short on funds, then you may prefer to pay off in the future admittedly.

I won't promote it anymore, I just want people to be aware that there are other options out there Think I've made my point!
EDIT: I'll post my own thread on it as I don't want to hijack yours, sorry.
Edited by: "Firefly1" 24th Dec 2017
great card and offer
RobWyatt15 m ago

I have this card,the only charge I find is for cash withdrawals but that …I have this card,the only charge I find is for cash withdrawals but that is dependant on the machine, it's a small charge like using one in local pub and is normally a couple pound per transaction. There is also the interest charge from day one for cash as anon32 has already said about. I love this card!


i found that you need to look at other banks as some do but others don't. they always tell you on the Machine during the transaction. in Australia about 1/2 of atms wanted to add a dollar or two.
Will this offer work if i just purchase something online from amazon.de and pay in euros for example?
VN1252502 m ago

Will this offer work if i just purchase something online from amazon.de …Will this offer work if i just purchase something online from amazon.de and pay in euros for example?



Should be fine. Iv never had a problem using mine on foreign websites
Last time this was on, never got my £20 back had to chase them up. Was giving the £20 after "Goodwill gesture".
Just for info..... You can have a maximum of two Halifax credit cards. I found that out when my application for this card was rejected
Also 50% of the limit is cash limit you can pull out of atm
Just got this card, brilliant and just what I was after since I pay a bunch of services in dollars the cash back will come in handy for sure. Recommended for anyone who already owns a Halifax current account
Barclaycard for travelers.
Is it not better as no interest on cash withdrawal if paid in full ?
its on Visa with no foreign transaction fee.
Applied for one and been approved. thanks for the heads up. I'm going skiing in three weeks, (can't wait), and this will be £20 off my ski hire.

Get my spending cash out when I arrive on Saturday evening, and then go back to the hotel and pay the card off via internet banking.
Firefly110 h, 21 m ago

Starling Bank is better than both Revolut and Halifax Clarity Card.It's a …Starling Bank is better than both Revolut and Halifax Clarity Card.It's a full UK Bank Account with Debit Card (Unlike Halifax which is CC and Revolut which is pre-paid only), Allows you to do everything via the app with instant live chat (and Very helpful live chat IMHO), with full ?£85,000 or £75,000 funding protection by the UK Government unlike Revolut. It's also easier to get than the Halifax Card as it's debit rather than credit. Unlike Halifax, it allows free cash withdrawals without the need to do an instant bank transfer to avoid paying interest on the cash withdrawal (As it's debit rather than credit card).The only reason I would get this card is if you need it for the protection on transactions over £100. I wouldn't be swayed between the two on a single £20 transaction.Saying that, I have both Starling Bank & Halifax CC as you do not want to be half way around the World when you find out your piece of plastic suddenly fails to pay for a bill. It's good to have a back-up. But Starling is definitely my go-to card - no issues yet. Obviously if you're just trying to pay online in a different currency, then you only need the one!


I agree with the positive words towards Starling Bank. What I REALLY like about Starling bank is that you can control EVERY aspect of the card through the secure mobile app, want to turn off online transactions and only use the card in person? You can do that. Want to only use the card for online transactions so if you lose the card nothing will happen? Yep, you can also do that. No cash withdrawals? Yep, easily done. Turn off contactless and use it as a physical card only? We got you fam.
All of that with no fees abroad for both purchases and cash withdrawals is why this card wins, and I am surpised other UK banks aren't giving us these features, it would save them a fortune if they gave us this level of tweakable security.
cutthroat_jake19 h, 32 m ago

Great card. Had one for years.Revolut also worth a look, if you prefer the …Great card. Had one for years.Revolut also worth a look, if you prefer the pre-paid type of card and a nice app to monitor spending.You can hold accounts in multiple currencies and their rates are very good.(It also allows you to buy and sell Bitcoin and Ethereum now)


Is this free for the Revolut card?
FrozenFire13 h, 58 m ago

Barclaycard for travelers. Is it not better as no interest on cash …Barclaycard for travelers. Is it not better as no interest on cash withdrawal if paid in full ?its on Visa with no foreign transaction fee.



Mastercard exchange rate is usually better than Visa, albeit only by a small margin. I have both Banco Santander Zero M'card and B'card Visa just in case, but usually use the Mastercard as first choice. Visa is more widely accepted, so useful to have.

Can anyone advise what Halifax is like for wanting you to notify them in advance of travel and declining transactions abroad?
One of the Post Office credit cards also has no fee foreign exchange transactions
kfs35 m ago

Mastercard exchange rate is usually better than Visa, albeit only by a …Mastercard exchange rate is usually better than Visa, albeit only by a small margin. I have both Banco Santander Zero M'card and B'card Visa just in case, but usually use the Mastercard as first choice. Visa is more widely accepted, so useful to have. Can anyone advise what Halifax is like for wanting you to notify them in advance of travel and declining transactions abroad?


Does anyone has foreign currency cash withdrawals fee free with zero interest for the month ? If paid in full.
FrozenFire25th Dec

Does anyone has foreign currency cash withdrawals fee free with zero …Does anyone has foreign currency cash withdrawals fee free with zero interest for the month ? If paid in full.


The simple solution is to make an instant transfer from your UK bank to your credit card account on the day you make a cash withdrawal. Often the instant transfer will arrive first. I have heard that Halifax don't like you pre-loading the card, but never had any problems myself.
What’s the best way to buy crypto?
lets say BTC from Coinbase or etoro or CEX.

much appreciated a detailed insi
Edited by: "FrozenFire" 26th Dec 2017
So you were rejected for the third, hence some of us could apply for a second in order to get the deal?
I had previously thought this was available to all customers, but OP states otherwise
this is a great card- shame I've already got one,otherwise I would have been all over it!
Remember to pay for purchases in the native currency and that if you withdraw cash you pay interest from the day you take it out so pay it off asap.
Edited by: "FireOnAWire" 30th Dec 2017
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Original Poster
Boagy26 m ago

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Try clicking on it
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