Halifax Clarity Travel Credit Card - £20 Halifax Cashback + Fee free card for spending abroad
867°

Halifax Clarity Travel Credit Card - £20 Halifax Cashback + Fee free card for spending abroad

74
Found 1st May
The Halifax Clarity travel credit card has been around for a while so you may already have it but Halifax have just added a £20 cashback promotion on the first transaction made in a foreign currency by 30th September when you take out the card

Handy if you are travelling abroad or even shopping online abroad

As a reminder of the key benefits to the card

  • You can use this card abroad with no fee

  • No fee to withdraw cash in the UK and no fee to withdraw cash outside the UK. Interest charges do apply, athough can minimise if you pay off quickly

  • Whatever you spend abroad will be converted to Sterling at a rate set by MasterCard (generally you get a better rate for MasterCard than Amex/Visa) - can check the MasterCard rate here

  • £20 cashback: You must make a transaction in a foreign currency by 30th September 2018 to qualify for the cashback. The £20 cashback will be applied to your credit card retail balance within 90 days of the transaction being made.



Representative example

  • A variable representative of 18.9% APR
  • A variable annual purchase rate of 18.95% p.a.
  • Based on borrowing £1,200 over 12 months





Application Criteria

  • You must be aged 18 years or older and be a resident in the UK.
  • At least 51% of successful applicants will get a representative rate of 18.9% APR (variable). Others will get a rate of 25.9% APR (variable).
Community Updates
Halifax bank Deals

Groups

Top comments
Good deal for the cashback but for long term use id recommend the Revolut card, best exchange rates linked to the interbank rates.
had this card for a few years and absolutely love it.

Used it in lots of different countries without a care in the world adnd only paid a few pence interest. Along with the virtually perfect exchange rate it's a no-brainer..
74 Comments
Is the cashback for new customers only?
Yes, accounts opened since 30/4
Original Poster
pookey11 m ago

Is the cashback for new customers only?




yes - new customers

thanks
I got this last year and I got my cash back few weeks later
33725747-uYgaa.jpgThanks Chanchi
Good deal for the cashback but for long term use id recommend the Revolut card, best exchange rates linked to the interbank rates.
sinjin_smythe11 m ago

Good deal for the cashback but for long term use id recommend the Revolut …Good deal for the cashback but for long term use id recommend the Revolut card, best exchange rates linked to the interbank rates.


Use first £200 from revolt and then go for Halifax if you need more (As Revolut charges 2% on ATM fees after - i can't find if this also applies to debit card transactions also?!).
The £200 limit resets each month on the date you opened your account, so if you've a big holiday planned open revolut on a strategic date.
I am firmly in the Starling Bank card. All the great features plus instant notifications to your phone of spending/deposits. But for a free £20 be rude not to.
there doesnt appear to be any mention about the £20 cashback - where is this stated?
had this card for a few years and absolutely love it.

Used it in lots of different countries without a care in the world adnd only paid a few pence interest. Along with the virtually perfect exchange rate it's a no-brainer..
sinjin_smythe27 m ago

Good deal for the cashback but for long term use id recommend the Revolut …Good deal for the cashback but for long term use id recommend the Revolut card, best exchange rates linked to the interbank rates.


Halifax is linked to Mastercard rate which is daily but not live. As mentioned previously, on another thread, depending on time and currency sometimes one is better than the other and vice versa but it's all marginal.

However, you do get s75 protection and as this is a Credit Card, you get a credit limit which is useful in case of emergency.
neilm2215 m ago

I am firmly in the Starling Bank card. All the great features plus instant …I am firmly in the Starling Bank card. All the great features plus instant notifications to your phone of spending/deposits. But for a free £20 be rude not to.


Apples and oranges... Not a like for like product...
jchung079 m ago

Apples and oranges... Not a like for like product...


Yes you are quite right. Starling operates as a normal bank account and also a credit card but with no fees so as long as you have the cash in advance it is better. Do you actually have one to be able to add an informed comment or just adding a comment without any additional substance?
christopherwhiteis129 m ago

Use first £200 from revolt and then go for Halifax if you need more (As …Use first £200 from revolt and then go for Halifax if you need more (As Revolut charges 2% on ATM fees after - i can't find if this also applies to debit card transactions also?!). The £200 limit resets each month on the date you opened your account, so if you've a big holiday planned open revolut on a strategic date.


With Revolut, there are no charges for straight transactions and the 2% withdrawal fee is only for ATM withdrawals more than £200.
If you compare Apples to Apples (ATM Withdrawal), Halifax Clarity Credit Card charges 18.9% until it's repaid in full.
Also, Revolut is a debit card and Halifax Clarity is a Credit Card.

I would anyday go with Revolut and manage the finances instead of opening a new Credit account just for travel purposes.
someshpan14 m ago

With Revolut, there are no charges for straight transactions and the 2% …With Revolut, there are no charges for straight transactions and the 2% withdrawal fee is only for ATM withdrawals more than £200.If you compare Apples to Apples (ATM Withdrawal), Halifax Clarity Credit Card charges 18.9% until it's repaid in full.Also, Revolut is a debit card and Halifax Clarity is a Credit Card.I would anyday go with Revolut and manage the finances instead of opening a new Credit account just for travel purposes.


The £200 limit is the total ATM withdrawal per month...so it's quite limiting if abroad and using cash.
So i'll start using the Halifax card once I've withdrawn that, pay the Halifax card off using the app as soon as i take out cash to avoid interest, my Finacée and I have opened revolt accounts so we'll get £400 total cash each for our honeymoon based on the date of opening.
I use this all the time 👌👌 good rates too
I have Monzo and Revolut, so get £400 free withdrawals between them. After that it's revolut all the way as Monzo charge 3%, but I'm tempted with this for emergencies.
pooool25 m ago

How does it compare with this Barclays travel card …How does it compare with this Barclays travel card please?https://www.barclaycard.co.uk/personal/credit-cards/platinum-travel-credit-card


I believe Barclaycard is visa, these are mastercard?
Chanchi322 h, 3 m ago

yes - new customersthanks


Do you mean just new to the card or do you have to be new to halifax altogether (ie doesn't apply if you have another Halifax account)?
Outstanding card for abroad. Just use it exclusively for abroad and pay the balance off instantly.

Just allows you to not take so much of the currency with you. Then suffer the terrible exchange rates back to sterling. This way you can take what you comfortably need then withdraw the rest at atms at no extra charge at the great MasterCard exchange rate.

It’s also brilliant for buying products from abroad and avoiding silly fees.
Original Poster
Besford7 m ago

Do you mean just new to the card or do you have to be new to halifax …Do you mean just new to the card or do you have to be new to halifax altogether (ie doesn't apply if you have another Halifax account)?




If you already have a Halifax credit card e.g. BT card (but not Clarity) website states you can still apply

halifax.co.uk/cre…rd/

The criteria:

You can apply for a second Halifax Credit Card, subject to the following conditions:

  • Your existing card with Lloyds Banking Group isn't a Student Card.
  • You’re not applying within 60 days of having opened your first credit card with us.
  • You can only have a maximum of two credit cards with Halifax, and a maximum of five with Lloyds Banking Group (which also includes Bank of Scotland and Lloyds Bank).


Also eligibility states that you have not have applied for a Halifax Credit Card and been declined within the last 30 days.
If you use contactless abroad does it automatically charge in the local currency?
neilm221 h, 32 m ago

Yes you are quite right. Starling operates as a normal bank account and …Yes you are quite right. Starling operates as a normal bank account and also a credit card but with no fees so as long as you have the cash in advance it is better. Do you actually have one to be able to add an informed comment or just adding a comment without any additional substance?


Dam it. You got me... Although I'm not sure how using one permits or restricts me to comment.

However, lucky for me, I Have a clarity card but not a starling account. But I also learnt to read terms and conditions and can research.

And as per my other comments on this thread and on the Starling thread couple of weeks ago there is alot of misinformation leading to poor advice... E.g starling doesn't operate a credit card.

So What else do you want to know?
tek-monkey7 m ago

If you use contactless abroad does it automatically charge in the local …If you use contactless abroad does it automatically charge in the local currency?



Yes, same with Android Pay when I was using mine in Spain.
Found out about this on moneysavingexpert website 6 months ago and signed up. Absolutely brilliant and booked everything for up coming Malaysia trip. I paid and tracked the transactions few days later with the exchange rate, it is only few pennies difference when you compare it. No charges and love it.

£20 promotion has been running for month, it was due to expire in April, so it seems they just extended it.
Would you risk using this card in a restaurant abroad ? in a not so good part of town ? are you covered for any fraud transactions etc or would you take a mix of cash and the Clarity card for paying for charges at the hotel / airport shopping etc. ?

Ideally would not want my card and number been captured in a foreign currency and finding my card has been used fraudulently.
Just.Wondering15 m ago

Would you risk using this card in a restaurant abroad ? in a not so good …Would you risk using this card in a restaurant abroad ? in a not so good part of town ? are you covered for any fraud transactions etc or would you take a mix of cash and the Clarity card for paying for charges at the hotel / airport shopping etc. ?Ideally would not want my card and number been captured in a foreign currency and finding my card has been used fraudulently.


More protection from a CC than a debit card, but I understand your fear. I use revolut and switch off card/ATM transactions on the app unless I'm using it at the time. I find revolut to have the best security of any of these travel cards I've tried TBH.
tek-monkey22 m ago

More protection from a CC than a debit card, but I understand your fear. …More protection from a CC than a debit card, but I understand your fear. I use revolut and switch off card/ATM transactions on the app unless I'm using it at the time. I find revolut to have the best security of any of these travel cards I've tried TBH.


I might order a Revolut card , I presume , If I am going to be using abroad , top the account up with spending money and when I get back , withdraw it all back to my back account ?

Any monthly fees or transaction fees with Revolut?

Is it possible for example to take money out of a ATM using the Clarity card , contact Halifax pay the card off straight away so it is almost interest free money exchange transaction ?
Edited by: "Just.Wondering" 1st May
I have one of these and they are perfect abroad. There are interest charges per day for cash withdrawals but providing you pay the card off as soon as you return they are very small.

2 years back we used it in Spain and took a load out from cash machines and when I paid it off 14 days later the interest was only about £1.98 for the whole time we used it!!

I've also just received my Barclaycard travel card which has no fees or interest until 2022 so we will see how that one goes.

These cards are perfect for using abroad vs all other methods.
Just.Wondering23 m ago

I might order a Revolut card , I presume , If I am going to be using …I might order a Revolut card , I presume , If I am going to be using abroad , top the account up with spending money and when I get back , withdraw it all back to my back account ?Any monthly fees or transaction fees with Revolut?Is it possible for example to take money out of a ATM using the Clarity card , contact Halifax pay the card off straight away so it is almost interest free money exchange transaction ?



Yes , you can simply transfer the amount you have withdrawn to Halifax via mobile banking on the same day and no interest is applied . Did this several times on a recent holiday - Also had a play using Barclaycard and the Visa exchange rate was about 3% worse than the MasterCard rate that you get with the Clarity card .
Just.Wondering24 m ago

I might order a Revolut card , I presume , If I am going to be using …I might order a Revolut card , I presume , If I am going to be using abroad , top the account up with spending money and when I get back , withdraw it all back to my back account ?Any monthly fees or transaction fees with Revolut?Is it possible for example to take money out of a ATM using the Clarity card , contact Halifax pay the card off straight away so it is almost interest free money exchange transaction ?


Yes. I usually withdraw the funds from the ATM and then log on to online banking from my phone and transfer to credit card straight away.
Have gone for this, thanks OP :-)

In regard to security, I only used cards when abroad when in legit stores/airports/shopping centres etc. No guarantee, but still a good idea I think.

I know a level of protection against fraud is inherent in a CC but I'd rather not have the hassle and reduce the opportunity of it happening.

For everything else just use a bit of cash.
tek-monkey3 h, 45 m ago

I believe Barclaycard is visa, these are mastercard?


Thanks TM...
This card is great. Just make sure when you use it that you are paying in local currency. I've been caught out a few times when the card machine charged in pounds.
Aren't ATM withdrawals using a cedit card frowned upon when it comes to damaging your credit score or am I missing something here? I have one of these but have never put it anywhere near an ATM.
Don't get why people need so much cash on holidays where do you go? Africa or Russia? Card is great heat from me.
HaroFreestyler3 h, 9 m ago

I have one of these and they are perfect abroad. There are interest …I have one of these and they are perfect abroad. There are interest charges per day for cash withdrawals but providing you pay the card off as soon as you return they are very small.2 years back we used it in Spain and took a load out from cash machines and when I paid it off 14 days later the interest was only about £1.98 for the whole time we used it!!I've also just received my Barclaycard travel card which has no fees or interest until 2022 so we will see how that one goes.These cards are perfect for using abroad vs all other methods.


To avoid interest you can just do a transfer from your bank account to the card to add some credit or to flatten out the withdrawal after you've taken some cash out.
endothecat13 m ago

To avoid interest you can just do a transfer from your bank account to the …To avoid interest you can just do a transfer from your bank account to the card to add some credit or to flatten out the withdrawal after you've taken some cash out.


So that would mean that if you have some purchases and some cash withdrawal with cc then when you do a transfer then it will clear the cash withdrawal first and then spending. Is that correct understanding?
Like the clarity card it’s very good, but also really like the starling account especially for cash withdrawals abroad, fee free and like the way you get instant alerts of Everyrhing on your phone. A big advantage point i believe.
Edited by: "ashtad" 1st May
Post a comment
Avatar
@
    Text