Halifax Clarity Credit Card - 12.9% APR No usage fees home or abroad
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Halifax Clarity Credit Card - 12.9% APR No usage fees home or abroad

205
Found 12th Jan 2014
Looks a great card for abroad especially as no usage fees:

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

Seems a great card and relative low 12.9% APR

Also for Halifax Reward customers if you spend £300 in a month you get £5 cashback.

205 Comments

is the cashback automatic?

Great card for using abroad.

Brilliant got one for recent trip to Florida.

I can't see anything mentioning the cashback- do you have a link?

Original Poster

woldranger

is the cashback automatic?



Yes, but it may be for select halifax customers. I went in the branch and they offered me the card with £5 cashback if i spend £300 in a month.

I do not see any mention of this online so may be only for select customers. To be honest its still an amazing card without the £5

great if it works and they don't block it the first time you use it, leaving you stranded and having to pay a fortune to call UK to get it sorted. Cold on basis of personal experience.

Good card for overseas spend with no foreign exchange fee.

However don't take out this card if you want a balance transfer. Despite not having a fee, the interest rate at 12.9% will far outweigh the fee and plenty of providers offer 0% for an extended period of time.

I'll call in and ask in branch, I've been using one of these fit a few years now with no problems but would like that fiver!

I get cash back on mine. Just make sure I use it for food and petrol and always get the reward

will take a look later

They still charge interest on cash withdrawals abroad and on a daily basis. Only a small amount and you can't pre load the card. So to reduce interest you may want to pay asap rather than leave it.
Great card though.

to clarify some points and some points to note

yes cashback is automatic - get mine every month!

BUT

you need to tell them what countries you will use it in - in advance - or the card will be blocked

they randomly block payments for "security reasons" and do not tell you why until you call them - a PITA id you are trying to grab a cheap flight or other bargain - they have blocked several flight tickets for me and blocked my MacBook purchase because they block all DSG sales by default!

also if you use it only for overseas transactions, and not also UK transactions they will reduce your credit limit to a un-useable level without warning or notice on the grounds that you are over using the foreign transaction privilege !!

all of above is from personal experience with this card

EliTom

The £5 cash back is if you have a reward current account with the Halifax and if you spend £300 a month on the card, it then gets credited to the credit card. Also you get £5 cash back on the reward current account if you credit £750 a month into the account, it you keep in credit and you have 2 monthly direct debits on there. £120 a year!

Original Poster

Scottydogg123

The £5 cash back is if you have a reward current account with the Halifax … The £5 cash back is if you have a reward current account with the Halifax and if you spend £300 a month on the card, it then gets credited to the credit card. Also you get £5 cash back on the reward current account if you credit £750 a month into the account, it you keep in credit and you have 2 monthly direct debits on there. £120 a year!



Guess that explains why i was offered it with the £5 cashback. Thanks

brilliant for abroad. used mine in usa, nz, oz, Thailand with no problems

used mine in the canaries last year and pre loaded b4 going was able to use like any credit card but without the fees.
withdraw cash from banks, pay in shops and restaurants highly recommended

Daughter used mine (actually a second card on my account) on her Erasmus Uni year in Spain and Italy. I cleared all balances daily by instant transfer online and saved hundreds in interest and charges avoided on a total spend of around £9k. Brilliant card! Apparently Halifax quite fussy now about who gets one.

tracian

used mine in the canaries last year and pre loaded b4 going was able to … used mine in the canaries last year and pre loaded b4 going was able to use like any credit card but without the fees.withdraw cash from banks, pay in shops and restaurants highly recommended

i thought u can't by law pre-load a credit card!

Think you'll find there's no fee to make a transaction abroad but you get charged interest from the second the transaction is complete rather than at the end of the month (which you can pay off in full and not be charged).
You will probably end up spending a lot more. I would definitely check the T&C's.

sh91

Think you'll find there's no fee to make a transaction abroad but you get … Think you'll find there's no fee to make a transaction abroad but you get charged interest from the second the transaction is complete rather than at the end of the month (which you can pay off in full and not be charged). You will probably end up spending a lot more. I would definitely check the T&C's.



You are correct to say interest starts from when the cash withdrawal made. I have Santander zero card which is very similar. When I use it aboard. I make online payment straight away from my current account. In that way no interest get charged and avoid paying foreign transaction charge.

Also exchange rate is better then any other place.

Edited by: "bokul" 12th Jan 2014

Do make sure you ring up Halifax before you go away and let them know where they're going, they blocked mine when i was in thailand and wouldn't let me unblock it over the phone, which when this was 6 weeks into a 6 month trip, was fairly annoying

Each and every one of us is thousands in the hole because of this bank.
I closed my account which I'd had since before demutualisation, withdrew my final £9.73 and left them for good.
I'm shooting myself in the foot by turning down these great free international perks, but I'm not going to support the gamblers who crippled our economy even if they are offering the best deal.

That said, I moved to Smile (Co-Op) and they're not faring much better!

sh91

Think you'll find there's no fee to make a transaction abroad but you get … Think you'll find there's no fee to make a transaction abroad but you get charged interest from the second the transaction is complete rather than at the end of the month (which you can pay off in full and not be charged). You will probably end up spending a lot more. I would definitely check the T&C's.


Only if you withdrawal cash!!!

tracian

used mine in the canaries last year and pre loaded b4 going was able to … used mine in the canaries last year and pre loaded b4 going was able to use like any credit card but without the fees.withdraw cash from banks, pay in shops and restaurants highly recommended

gemma280563

Agreeing with Scottydoggy123 as I also get the £5.00 cash cack on each … Agreeing with Scottydoggy123 as I also get the £5.00 cash cack on each account and if you are a non tax payer you can claim the £1.25 the taxman takes off. You need form R40.

elitom

to clarify some points and some points to noteyes cashback is automatic - … to clarify some points and some points to noteyes cashback is automatic - get mine every month!BUTyou need to tell them what countries you will use it in - in advance - or the card will be blockedthey randomly block payments for "security reasons" and do not tell you why until you call them - a PITA id you are trying to grab a cheap flight or other bargain - they have blocked several flight tickets for me and blocked my MacBook purchase because they block all DSG sales by default!also if you use it only for overseas transactions, and not also UK transactions they will reduce your credit limit to a un-useable level without warning or notice on the grounds that you are over using the foreign transaction privilege !!all of above is from personal experience with this cardEliTom



Why would that be against the law? If you pre-load a card then that money isn't insured by the government (i.e. if Halifax went bust, you'd lose it), but it's perfectly legal. However, the credit card companies don't like you doing so and will sometimes block your card. The best way to do it is to pay it off using internet banking ASAP after you've actually made the withdrawal.



No you can't. You can claim it back from HMRC but Halifax won't pay you the £6.25 directly.



No offense but your personal experience is utterly irrelevant to anyone who isn't you...

You don't have to tell them in advance. It makes sense to do so, but it's not automatic. I've used mine abroad numerous times without telling them and it's not been blocked once.

They don't "randomly" block payments, they block payments if they seem suspicious to them. They also don't block all DSG sales by default - that would be an absurd policy!

No they don't. My credit limit has never been reduced despite virtually only being used abroad. And it's standard procedure anywhere to reduce credit limits without notice - if they gave notice then the customer could just quickly spend more money before they cut it. I'd also be surprised if the actual reason why they reduced your limit was using it too much abroad - did they actually tell you that?

Is it normal to be charged interest from the very second you make a foreign purchase/withdrawal on a credit card?

DennisG

Each and every one of us is thousands in the hole because of this bank.I … Each and every one of us is thousands in the hole because of this bank.I closed my account which I'd had since before demutualisation, withdrew my final £9.73 and left them for good.I'm shooting myself in the foot by turning down these great free international perks, but I'm not going to support the gamblers who crippled our economy even if they are offering the best deal.That said, I moved to Smile (Co-Op) and they're not faring much better!



You couldn't be further from the truth... Why people insist on ranting about things they don't understand I'll never know!

No-one has lost a penny due to the government bailout. No money was given to Lloyds, it was lent/invested and is actually likely to give us a profit. The first lot of shares were sold off last year giving us a £61m profit, and the current share price is higher than what the government paid. The bank is only getting stronger, and once all the shares are sold we're likely to make a pretty decent profit out of it.

overlooked

Is it normal to be charged interest from the very second you make a … Is it normal to be charged interest from the very second you make a foreign purchase/withdrawal on a credit card?



No, you're charged interest when you make a cash withdrawal - whether it's in the UK or abroad.

overlooked

Is it normal to be charged interest from the very second you make a … Is it normal to be charged interest from the very second you make a foreign purchase/withdrawal on a credit card?

you only get charged if u withdraw cash. if u pay at a shop u get the usual month.

sh91

Think you'll find there's no fee to make a transaction abroad but you get … Think you'll find there's no fee to make a transaction abroad but you get charged interest from the second the transaction is complete rather than at the end of the month (which you can pay off in full and not be charged). You will probably end up spending a lot more. I would definitely check the T&C's.


As others have said, you are wrong. I've had mine for two years and know this from personal experience.

Interest is only charged immediately on foreign cash withdrawals. Purchases made using the card when abroad enjoy exactly the same interest-free period as purchases made at home.

Banned

elitom

you need to tell them what countries you will use it in - in advance - or … you need to tell them what countries you will use it in - in advance - or the card will be blocked they randomly block payments for "security reasons"


I've used mine in many countries, never had to tell them anything. Maybe some of you just aren't very trustable?

Great card, can't recommend it enough. No fees on overseas ATM withdrawals or purchases, used mine in shops and restaurants all over Europe. They don't try and claw the money back with a rubbish exchange rate either - it's a consistently good performer.
Edited by: "SanTokiMTB" 12th Jan 2014

callum9999

You couldn't be further from the truth... Why people insist on ranting … You couldn't be further from the truth... Why people insist on ranting about things they don't understand I'll never know!No-one has lost a penny due to the government bailout. No money was given to Lloyds, it was lent/invested and is actually likely to give us a profit. The first lot of shares were sold off last year giving us a £61m profit, and the current share price is higher than what the government paid. The bank is only getting stronger, and once all the shares are sold we're likely to make a pretty decent profit out of it.



The entire economic downturn and swingeing cuts were as a direct result of what happened because of the actions of a few, those few were based at this bank and a few others.
Whether we emerge from these deals with a token profit or not, that doesn't undo all we've all had to endure since 2007.

To confirm what others have said.

Use it like a credit card in shops and no fees to pay, you get the banking exchange rate. If you pay the balance off then no interest.

BUT

if you withdraw cash from an ATM you are charged daily interest on the withdrawn money.

Do as above, withdraw and pay immediately via online or the day you depart deposit a bill payment onto the card and take that amount out as soon as you arrive in the foreign country.

PO card offers the same benefits of no charge on overseas if anyone doesn't fancy Halifax...the money grabbing bankers

I applied for one online after it was quoted on MSE as being great for overseas use. Got French liftpasses online before Christmas and got €1.20+ to the pound for the exchange rate so I was chuffed.

great card used it a lot.
But this has been around for a while...

Had one of these for a few years. Works overseas with perfect exchange rates (but let them know before you go away as you should with any card). If spend over £300 a month get the £5 - and if pay off the full amount by direct debit each month you never give them a penny.

Hot but this deal has been around for several years.

DennisG

The entire economic downturn and swingeing cuts were as a direct result … The entire economic downturn and swingeing cuts were as a direct result of what happened because of the actions of a few, those few were based at this bank and a few others.Whether we emerge from these deals with a token profit or not, that doesn't undo all we've all had to endure since 2007.



Perhaps you'd like to explain HOW what Lloyds did was "directly responsible" for "the entire economic downturn"? I don't think you can, because it's a blatantly absurd hypothesis that merely shows your ignorance of the matter.

It was a GLOBAL financial crisis, one which Lloyds had very little role in. The main impact Lloyds has had on the crisis has been its reduction in lending to businesses. They are not legally obliged to lend a penny to anyone, and you can be criticised for not lending to businesses just as much as they can be.

No fee to transfer a balance - why would anyone wan't to transfer a balance to a 12.9% card?
No cash withdrawal fee - no but you pay interest straight away and likely at a much higher rate than 12.9%. Why would you do that?
No fee to use it anywhere worldwide - no but the exchange rate will be unfavourable. Better off using cash.
No annual fee - ok, but a lot of cards also don't have a fee.

Sorry, how is this a hot deal if you're not a Halifax Reward customer?

classygear

PO card offers the same benefits of no charge on overseas if anyone … PO card offers the same benefits of no charge on overseas if anyone doesn't fancy Halifax...the money grabbing bankers



What makes you think the Bank of Ireland - the bank that runs the PO card - are any less "money grabbing" than Halifax?

Explaining the financial world to you people is like banging my head against a brick wall, I really don't know why I bother!

benjai

No fee to transfer a balance - why would anyone wan't to transfer a … No fee to transfer a balance - why would anyone wan't to transfer a balance to a 12.9% card?No cash withdrawal fee - no but you pay interest straight away and likely at a much higher rate than 12.9%. Why would you do that?No fee to use it anywhere worldwide - no but the exchange rate will be unfavourable. Better off using cash.No annual fee - ok, but a lot of cards also don't have a fee.Sorry, how is this a hot deal if you're not a Halifax Reward customer?



No it's not a great balance transfer deal - but no-one's suggesting you should do one.
Yes you pay interest straight away - though if you pay it off the same/next day it is virtually nothing. If you pay it off at the end of the month it is still less than the fee you'd pay at a bureau de change - or from a typical debit card. At least 66% of customers receive the 12.9% rate.
No the exchange rate is NOT unfavourable. It is better than EVERY SINGLE bureau de change you will find.
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