Halifax Clarity Credit Card - No fee to use it anywhere worldwide - No cash withdrawal fee - No annual fee
1262°Expired

Halifax Clarity Credit Card - No fee to use it anywhere worldwide - No cash withdrawal fee - No annual fee

296
Found 4th Apr
One of the only remaining credit cards that don't charge you any extra for using it abroad - perfect exchange rate at no fee.

One simple rate & no usage fees - however and wherever you use your Clarity Credit Card.

No fee to use it anywhere worldwide - No cash withdrawal fee - No annual fee.

People say you can get round jnm21's comment below by simply loading up your card with a positive credit balance before you go abroad - ie pre-pay in a few quid. Then when you withdraw your money @ ATM, you are not asking for a cash advance. However, see also post #244.

*****Whilst this is one of the most efficient ways to withdraw foreign currency abroad, it is recorded as a cash advance on your credit record.*******
- jnm21

Is there anyway to purchase something cheap say in France online from UK to qualify for the £20, maybe using a VPN to make appear I'm out of the UK
Top comments

mrkritt

AS STATED ABOVE PAY OFF ASAP,OR YOU WILL BE CHARGED,IVE ALSO HAD PROBLEMS … AS STATED ABOVE PAY OFF ASAP,OR YOU WILL BE CHARGED,IVE ALSO HAD PROBLEMS WITH GETTING THIS CARD TO WORK IN THAILAND,EVEN AFTER INFORMING THEM I WOULD BE GOING THERE,DONT DEPEND ON IT 100%,HAVE OTHER OPTIONS.



​Thailand are pretty strict on CAPS LOCK crimes

spongebob1913

told Halifax id be going to Vietnam recently using this card. Didn't have … told Halifax id be going to Vietnam recently using this card. Didn't have ANY problems whatsoever. Had access to all the Dong I needed.



I bet you did.

I stopped using mine when they removed the cash back (get £5 when you spend over £300) end of last year. Although I've kept hold of it for foreign travel.

mrkritt

AS STATED ABOVE PAY OFF ASAP,OR YOU WILL BE CHARGED,IVE ALSO HAD PROBLEMS … AS STATED ABOVE PAY OFF ASAP,OR YOU WILL BE CHARGED,IVE ALSO HAD PROBLEMS WITH GETTING THIS CARD TO WORK IN THAILAND,EVEN AFTER INFORMING THEM I WOULD BE GOING THERE,DONT DEPEND ON IT 100%,HAVE OTHER OPTIONS.


Did you try shouting?
296 Comments

I stopped using mine when they removed the cash back (get £5 when you spend over £300) end of last year. Although I've kept hold of it for foreign travel.

Excellent for foreign travel, and as well as no fees you get a much better exchange rate as well. Heat added.

As above, dont use it day to day but useful when abroad

How does this card compare to Revolut?

Original Poster

daniq

How does this card compare to Revolut?



for starters this is a regular credit card that fits in your wallet - whereas Revolut is an unusable app if you are not of the mobile phone app generation (and have no wish to join them )

I've had this card for a number of years. I always use it for purchasing abroad but I thought I was charged if I took cash out of a cash machine while abroad.

iand123

I've had this card for a number of years. I always use it for purchasing … I've had this card for a number of years. I always use it for purchasing abroad but I thought I was charged if I took cash out of a cash machine while abroad.



You only pay interest on cash withdrawals from the time of withdrawal until you pay off but there is no cash withdrawal fee like other credit cards

luvsadealdealdeal

for starters this is a regular credit card that fits in your wallet - … for starters this is a regular credit card that fits in your wallet - whereas Revolut is an unusable app if you are not of the mobile phone app generation (and have no wish to join them )



Revolut send you a physical card.


Revolut is pre-paid and therefore suffers from the usual difficulties associated with those types of card (I.e no offline authorisation).

I personally have a Nationwide Select CC which also has no fees abroad on purchases. Combined with the Nationwide FlexPlus (free cash withdrawals abroad but £10 fee for the account- plus other benefits) works out excellently.

Am I right in thinking that the Clarity starts incurring interest on the day of the transaction therefore you need to pay it off instantly to avoid charges ?
Edited by: "xeroc" 4th Apr

Original Poster

xeroc

Revolut send you a physical card.Revolut is pre-paid and therefore … Revolut send you a physical card.Revolut is pre-paid and therefore suffers from the usual difficulties associated with those types of card (I.e no offline authorisation). I personally have a Nationwide Select CC which also has no fees abroad on purchases. Combined with the Nationwide FlexPlus (free cash withdrawals abroad but £10 fee for the account- plus other benefits) works out excellently.Am I right in thinking that the Clarity starts incurring interest on the day of the transaction therefore you need to pay it off instantly to avoid charges ?



stand corrected on Revolut

partly true, ie on cash withdrawals, yes it's interest charged from day 1 - but not on foreign purchases

Brilliant for overseas holidays. Highly recommended.

Travelled Asia for 5 months using only this credit card and paypal once to buy a $175 motorbike. 5*.

luvsadealdealdeal

stand corrected on Revolutpartly true, ie on cash withdrawals, yes it's … stand corrected on Revolutpartly true, ie on cash withdrawals, yes it's interest charged from day 1 - but not on foreign purchases



Thanks for the info

Used mine in Orlando last year for practically everything, even ice creams from the small carts in Disney. Only took $50 in cash.
Edited by: "wozwebs" 4th Apr

Anyone know if you can pre load this this avoid any interest charges when withdrawing cash as its a pain remembering to log on and transfer the money over to clear it daily

I'll throw another prepaid card into the mix - Monzo

LPKLPKLPK

Anyone know if you can pre load this this avoid any interest charges when … Anyone know if you can pre load this this avoid any interest charges when withdrawing cash as its a pain remembering to log on and transfer the money over to clear it daily



That is possible

luvsadealdealdeal

for starters this is a regular credit card that fits in your wallet - … for starters this is a regular credit card that fits in your wallet - whereas Revolut is an unusable app if you are not of the mobile phone app generation (and have no wish to join them )



To be fair, that's an issue with you, rather than that service. So not really a good enough reason not to use it.

LPKLPKLPK

Anyone know if you can pre load this this avoid any interest charges when … Anyone know if you can pre load this this avoid any interest charges when withdrawing cash as its a pain remembering to log on and transfer the money over to clear it daily


I asked this question of Halifax last September, pre-loading it breaks the terms and conditions. The advice given was to wait a day or so then pay off cash withdrawal amount in full. Resulting interest is just pennies.

LPKLPKLPK

Anyone know if you can pre load this this avoid any interest charges when … Anyone know if you can pre load this this avoid any interest charges when withdrawing cash as its a pain remembering to log on and transfer the money over to clear it daily


You are not supposed to preload any credit card as far as I know, will it work? Quite possibly

luvsadealdealdeal

for starters this is a regular credit card that fits in your wallet - … for starters this is a regular credit card that fits in your wallet - whereas Revolut is an unusable app if you are not of the mobile phone app generation (and have no wish to join them )



​My Revolut cards seems to fit nicely in my wallet

wozwebs

Used mine in Orlando last year for practically everything, even ice … Used mine in Orlando last year for practically everything, even ice creams from the small carts in Disney. Only took $50 in cash.


Ditto, used mine for almost all purchases without issue, until we tried it in the UK section of Epcot where it was rejected. A quick call to CS confirmed no issues, other than staff inability, it worked for the remainder of the holiday.

A top card according to moneysavingexpert.com for travel exchange rates. No interest if used to spend and pay off in time. If cash withdrawal then pay by Internet as soon as possible to reduce interest. An advantage over pre paid card is that you only use exactly what you spend. Also more protection with a credit card.

Mycroftmill

I asked this question of Halifax last September, pre-loading it breaks … I asked this question of Halifax last September, pre-loading it breaks the terms and conditions. The advice given was to wait a day or so then pay off cash withdrawal amount in full. Resulting interest is just pennies.


I just overplayed and currently have £150 in credit

AS STATED ABOVE PAY OFF ASAP,OR YOU WILL BE CHARGED,IVE ALSO HAD PROBLEMS WITH GETTING THIS CARD TO WORK IN THAILAND,EVEN AFTER INFORMING THEM I WOULD BE GOING THERE,DONT DEPEND ON IT 100%,HAVE OTHER OPTIONS.

Great card, I keep mine for going abroad. I've had it a number of years now and I will be taking it to the US this year.

mrkritt

AS STATED ABOVE PAY OFF ASAP,OR YOU WILL BE CHARGED,IVE ALSO HAD PROBLEMS … AS STATED ABOVE PAY OFF ASAP,OR YOU WILL BE CHARGED,IVE ALSO HAD PROBLEMS WITH GETTING THIS CARD TO WORK IN THAILAND,EVEN AFTER INFORMING THEM I WOULD BE GOING THERE,DONT DEPEND ON IT 100%,HAVE OTHER OPTIONS.



My application accepted...plan to use as a backup in Thailand in a couple of weeks, although I take mainly cash and exchange whilst there..

mrkritt

AS STATED ABOVE PAY OFF ASAP,OR YOU WILL BE CHARGED,IVE ALSO HAD PROBLEMS … AS STATED ABOVE PAY OFF ASAP,OR YOU WILL BE CHARGED,IVE ALSO HAD PROBLEMS WITH GETTING THIS CARD TO WORK IN THAILAND,EVEN AFTER INFORMING THEM I WOULD BE GOING THERE,DONT DEPEND ON IT 100%,HAVE OTHER OPTIONS.



​Thailand are pretty strict on CAPS LOCK crimes

best card for foreign travel

Been using this card for a few years now for holidays. I had an issue with fraud last month where by card got cloned in Denmark but they credited all the money back and sent a new card out within 3 days of calling so cant fault the service, although they didn't issue me with a new card when I changed by surname after getting married which I found a bit odd.

Anyone know how the rates compare with the likes of the travelex preloaded card mentioned in another deal?

mrkritt

AS STATED ABOVE PAY OFF ASAP,OR YOU WILL BE CHARGED,IVE ALSO HAD PROBLEMS … AS STATED ABOVE PAY OFF ASAP,OR YOU WILL BE CHARGED,IVE ALSO HAD PROBLEMS WITH GETTING THIS CARD TO WORK IN THAILAND,EVEN AFTER INFORMING THEM I WOULD BE GOING THERE,DONT DEPEND ON IT 100%,HAVE OTHER OPTIONS.



Sorry to hear that. Wife and I travelled round SE Asia last year for a few months and card wasn't rejected once. Guess we were lucky.

I'd recommend to everyone to request a new card with new number once back home to be sure it won't be sureptitously used by a fraudulent so and so if it gets cloned (happened to me in the past so now I'm very wary).

mrkritt

AS STATED ABOVE PAY OFF ASAP,OR YOU WILL BE CHARGED,IVE ALSO HAD PROBLEMS … AS STATED ABOVE PAY OFF ASAP,OR YOU WILL BE CHARGED,IVE ALSO HAD PROBLEMS WITH GETTING THIS CARD TO WORK IN THAILAND,EVEN AFTER INFORMING THEM I WOULD BE GOING THERE,DONT DEPEND ON IT 100%,HAVE OTHER OPTIONS.


Did you try shouting?

Mycroftmill

I asked this question of Halifax last September, pre-loading it breaks … I asked this question of Halifax last September, pre-loading it breaks the terms and conditions. The advice given was to wait a day or so then pay off cash withdrawal amount in full. Resulting interest is just pennies.



I did this when withdrawing Euros in Spain. Paid the equivalent amount to the bill online as soon as I got back to the hotel and the cash withdrawal didn't even register any interest on the bill. Love this card, wouldn't be without it for foreign travel.

I use Monzo - best debit card ever - no cost whatsoever and instant app notifications. Better than other cards... go with it unless you need
credit card.
Edited by: "dariobros2" 4th Apr

Please note if you use this only for holidays as I do and never have a balance on this:-

Halifax constantly email telling me I haven't checked my statement (why would I it's zero balance)?

Halifax have twice contacted me asking to close my account as it had not been used.

It's a holiday credit card!! They likely don't like it as they make no money from me lol.

Revolut is the only card you need abroad....no fees on atm, or any other transactions, instant top up from bank account at best rates, simply cant fault it....dunno how this compares cos never had one, but with revolut I dont have the temptation to go into debt as I would with this

is there any cashback thru Topcashback/quidco on it?

dariobros2

I use Monzo - best debit card ever - no cost whatsoever and instant app … I use Monzo - best debit card ever - no cost whatsoever and instant app notifications. Better than other cards... go with it unless you need credit card.



​How so? Monzo like Halifax charge the mastercard fx rate i.e. not the pure interbank rate you receive with revolut, so you will be losing money, still the best card?

So no harm with this where you top-up with money and use it abroad in, say, Thailand and Singapore?
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