Unfortunately, this deal is no longer valid
Halifax Clarity- It’s back with £20 cashback. 0% fx on spend and atm withdrawal. Uses the mastercard rate about .2% below the interbank
527° Expired

Halifax Clarity- It’s back with £20 cashback. 0% fx on spend and atm withdrawal. Uses the mastercard rate about .2% below the interbank

67
Posted 3rd Jul
Your credit card explained 19.9%apr

We don't charge fees when you spend abroad.
  • We don’t charge you a fee to withdraw cash outside the UK.
  • The ATM provider may charge you a fee for taking cash out.
  • Whatever you spend abroad will be converted to Sterling at a rate set by MasterCard®.
  • Interest is added to any spending on your card, unless paid off by the due date each month.
  • £20 cashback offer valid on accounts opened between 28th June 2019 and 29th August 2019, conditions apply.

We don't charge fees to withdraw cash with your Halifax Clarity credit card.
  • We won’t charge you a fee for getting cashback at a store or money from a cash machine, however some ATM Providers may charge a fee for taking cash out.
  • Interest charges apply to cash you take out, from the day the cash is withdrawn.
  • Accepted wherever you see the Mastercard® sign at over 43 million locations worldwide.
Community Updates

Groups

Top comments
adrian200003/07/2019 07:29

Seems a good deal, but is the exchange rate used higher to cover no …Seems a good deal, but is the exchange rate used higher to cover no Transaction fee?


No, you actually get a higher exahcnge rate than you could get if using a foreign exchange bureau.

this card is highly recommended. We’ve been using abroad and online for last 5 years or so
Had mine for 4 years, used online to pay for things in foreign currency’s, also used in Spain, Bulgaria & USA for purchases & ATM withdrawals. Always select the local currency with purchases & ATM withdrawals and let the card do the conversion! You get the best exchange rate and no fees as long as you pay it off in time. If using for ATM withdrawals make sure to pay it off as soon as the charge appears on your transactions otherwise you pay more interest, if done straight away the interest charge is minimal and overall still offers a better exchange rate than buying currency etc in my experience.
Edited by: "tompenrice" 3rd Jul
Starkiwi2603/07/2019 11:05

I am confused. How this Halifax black clarity credit card compared to the …I am confused. How this Halifax black clarity credit card compared to the Halifax blue clarify credit card?I had been using the blue card for ages for overseas spending (low exchange rate and no foreign currency charges), this black card looks more elegant and classy...[Image] [Image]



The Halifax current account card is blue so they may have changed it for...wait for it...Clarity.
67 Comments
Does this card offer the fee free payments, on foreign shopping sites. Like the ones so often mentioned on here.
DodgeySolenoid03/07/2019 06:35

Does this card offer the fee free payments, on foreign shopping sites. …Does this card offer the fee free payments, on foreign shopping sites. Like the ones so often mentioned on here.


I would like to know this too. I need to pay for a hotel in Euros soon, would this be the best way to do it? Commenting so I can track replies
DodgeySolenoid03/07/2019 06:35

Does this card offer the fee free payments, on foreign shopping sites. …Does this card offer the fee free payments, on foreign shopping sites. Like the ones so often mentioned on here.



rdajackson03/07/2019 07:11

I would like to know this too. I need to pay for a hotel in Euros soon, …I would like to know this too. I need to pay for a hotel in Euros soon, would this be the best way to do it? Commenting so I can track replies


Yes
Seems a good deal, but is the exchange rate used higher to cover no Transaction fee?
Had mine for 4 years, used online to pay for things in foreign currency’s, also used in Spain, Bulgaria & USA for purchases & ATM withdrawals. Always select the local currency with purchases & ATM withdrawals and let the card do the conversion! You get the best exchange rate and no fees as long as you pay it off in time. If using for ATM withdrawals make sure to pay it off as soon as the charge appears on your transactions otherwise you pay more interest, if done straight away the interest charge is minimal and overall still offers a better exchange rate than buying currency etc in my experience.
Edited by: "tompenrice" 3rd Jul
adrian200003/07/2019 07:29

Seems a good deal, but is the exchange rate used higher to cover no …Seems a good deal, but is the exchange rate used higher to cover no Transaction fee?


No, you actually get a higher exahcnge rate than you could get if using a foreign exchange bureau.

this card is highly recommended. We’ve been using abroad and online for last 5 years or so
This deal (including conditional cashback of £20) is available until 29 August 2019. So why is it expired? If I could I would have added heat but I can't.
Nice one
It's not clear what spending is needed for the £20 cashback, i've looked in the conditions, but all it says is it has to be a valid transaction. SO anyone know what a valid transaction is?
Sagor03/07/2019 10:20

It's not clear what spending is needed for the £20 cashback, i've looked …It's not clear what spending is needed for the £20 cashback, i've looked in the conditions, but all it says is it has to be a valid transaction. SO anyone know what a valid transaction is?



*Cashback conditions: to qualify for the cashback you must make a purchase within 90 days of account opening. The £20 cashback will be applied to your credit card retail balance within 90 days of the transaction being made.
Just curious but does anyone use this card for normal spending in UK?
Isn't the Barclaycard Platinum slightly better?
That one gives you cashback on foreign transactions and no charges for ATM withdrawls.
I am confused. How this Halifax black clarity credit card compared to the Halifax blue clarify credit card?
I had been using the blue card for ages for overseas spending (low exchange rate and no foreign currency charges), this black card looks more elegant and classy...

37982881-KlIZu.jpg37982881-62BbR.jpg
Starkiwi2603/07/2019 11:05

I am confused. How this Halifax black clarity credit card compared to the …I am confused. How this Halifax black clarity credit card compared to the Halifax blue clarify credit card?I had been using the blue card for ages for overseas spending (low exchange rate and no foreign currency charges), this black card looks more elegant and classy...[Image] [Image]


It's probably just the new colour for it
Starkiwi2603/07/2019 11:05

I am confused. How this Halifax black clarity credit card compared to the …I am confused. How this Halifax black clarity credit card compared to the Halifax blue clarify credit card?I had been using the blue card for ages for overseas spending (low exchange rate and no foreign currency charges), this black card looks more elegant and classy...[Image] [Image]



The Halifax current account card is blue so they may have changed it for...wait for it...Clarity.
rdajackson03/07/2019 07:11

I would like to know this too. I need to pay for a hotel in Euros soon, …I would like to know this too. I need to pay for a hotel in Euros soon, would this be the best way to do it? Commenting so I can track replies


I believe so! They exchange rate is fair as well. Saved 20 quid in comparison to "paypal" exchange rate
wadz03/07/2019 10:45

Just curious but does anyone use this card for normal spending in UK?


I carry only two credit cards - Amex cashback and Halifax Clarity. Everything which is a foreign spend goes on the latter, and also when a UK store does not accept Amex.
tompenrice03/07/2019 07:53

Had mine for 4 years, used online to pay for things in foreign currency’s, …Had mine for 4 years, used online to pay for things in foreign currency’s, also used in Spain, Bulgaria & USA for purchases & ATM withdrawals. Always select the local currency with purchases & ATM withdrawals and let the card do the conversion! You get the best exchange rate and no fees as long as you pay it off in time. If using for ATM withdrawals make sure to pay it off as soon as the charge appears on your transactions otherwise you pay more interest, if done straight away the interest charge is minimal and overall still offers a better exchange rate than buying currency etc in my experience.


Hi - does it mean withdrawing local currency overseas would attract interest charges even if it was paid up within the interest free period?
reading the t&c for cashback, it seems to be any spend? the last time i had this card you had to spend in foreign currency to qualify for the cashback. can someone confirm this before i open one as we are not going abroad so no chance we will be spending this card in foreign currency.
autocrazy03/07/2019 12:07

Hi - does it mean withdrawing local currency overseas would attract …Hi - does it mean withdrawing local currency overseas would attract interest charges even if it was paid up within the interest free period?


yes i believe so. you would need to pay it back immediately if you don't want to incur interest.
mutley103/07/2019 12:28

yes i believe so. you would need to pay it back immediately if you don't …yes i believe so. you would need to pay it back immediately if you don't want to incur interest.


Thanks will stick with my Barclays platinum for now
Thanks OP. They gave me £5k limit. Pay off in full by DD.

Will see how this would stack up for my USA trip at the end of this month. Currently using a prepaid FairFX card just now.
babyboya18703/07/2019 10:43

*Cashback conditions: to qualify for the cashback you must make a purchase …*Cashback conditions: to qualify for the cashback you must make a purchase within 90 days of account opening. The £20 cashback will be applied to your credit card retail balance within 90 days of the transaction being made.


yes i saw that, i guess it means spend on anything (even a penny?) and that's the criteria.
mutley103/07/2019 12:27

reading the t&c for cashback, it seems to be any spend? the last time i …reading the t&c for cashback, it seems to be any spend? the last time i had this card you had to spend in foreign currency to qualify for the cashback. can someone confirm this before i open one as we are not going abroad so no chance we will be spending this card in foreign currency.


This is what I was wondering
Is this applicable to existing cardholders?
Can it be used wirelessly in Google pay?
wadz03/07/2019 10:45

Just curious but does anyone use this card for normal spending in UK?


Yeah I only have one credit card, which is this, so use it every month for normal spending, but is essential for travelling, it has saved me so much money
bozo00703/07/2019 12:05

I carry only two credit cards - Amex cashback and Halifax Clarity. …I carry only two credit cards - Amex cashback and Halifax Clarity. Everything which is a foreign spend goes on the latter, and also when a UK store does not accept Amex.


I have Amex but thinking this would be a good second card to have when stores dont take Amex
autocrazy03/07/2019 12:29

Thanks will stick with my Barclays platinum for now


Barclays Platinum charges extra non-sterling fee(2.99%) and it is a Visa(bit worse exchange rate). How is that better compared to Halifax ?
The interest payment is the same as with Halifax
I have had it 2 years and it has never charged interest on withdrawals and no non sterling fees
Load this card up blue Halifax clarity before we go to avoid interest charges
better rate than normal exchange and no fees Aus NZ Chinia and US all great rates
Starkiwi2603/07/2019 11:05

I am confused. How this Halifax black clarity credit card compared to the …I am confused. How this Halifax black clarity credit card compared to the Halifax blue clarify credit card?I had been using the blue card for ages for overseas spending (low exchange rate and no foreign currency charges), this black card looks more elegant and classy...[Image] [Image]


The colour of the Clarity card is blue on the website halifax.co.uk/cre…rd/
Can you use an app to pay?

I seem to recall with a NatWest card recently that unless you banked with then you had to pay by bank transfer?
So effectively they give you £20 to sign upto this creditcard?
Edited by: "Thetruthh" 3rd Jul
Wondering whether to go for this or the Santander Zero credit card. The Clarity gives you the £20 cashback, but with the Santander Zero you get 12 months 0% on purchases.
santander.co.uk/per…ard
rdajackson03/07/2019 07:11

I would like to know this too. I need to pay for a hotel in Euros soon, …I would like to know this too. I need to pay for a hotel in Euros soon, would this be the best way to do it? Commenting so I can track replies


Yes it does. I use this card for all foreign purchases without fees: netflix, eglobal, US visas, foreign hotels etc etc
wadz03/07/2019 10:45

Just curious but does anyone use this card for normal spending in UK?


Yes, I put it on my Uber account so that I can use Uber in UK or abroad with no worries about currency conversion.
autocrazy03/07/2019 12:07

Hi - does it mean withdrawing local currency overseas would attract …Hi - does it mean withdrawing local currency overseas would attract interest charges even if it was paid up within the interest free period?


You are charged interest from the moment of withdrawal. e.g. I withdrew 200 EUR and the interest was 43p after 7 days.
Post a comment
Avatar
@
    Text