It back! {£20 cashback} on Halifax Clarity Card. Great for withdrawing cash and spending abroad with NO fees whatsoever
698°

It back! {£20 cashback} on Halifax Clarity Card. Great for withdrawing cash and spending abroad with NO fees whatsoever

101
Expires on 28/02/2018Edited by:"Anon32"Found 22nd Nov
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

MSE Exclusive

p.s rates are set by mastercard they can't rip you off with low rates

Technically there are fees when you withdraw cash as the interest is payable from the day you withdraw. So unless you pay your CC each day or have a credit on your account (not sure on this credit part) you will be charged interest.

The Barclays Platinum Card however, last i checked, doesn't charge interest from the day you withdraw

Also Be very careful as withdrawing Cash from a credit card can affect your credit rating - This includes taking cash out abroad on this type of CC.
Top comments

Original Poster

DrJogalog27 m ago

Date Of Birth for a bank card pin number? I am sure that is rule number 1 …Date Of Birth for a bank card pin number? I am sure that is rule number 1 of what not to use.


Exactly! Always the bank thats wrong never the customer. The four times even though i'm sure its three. Get it wrong on the third and it takes your card.

Also he doesn't realise his cards been cloned. Yes you might have not enteted it wrong four times but someone else has and they don't need to have your card.

Probably just luck they didn't guess his d.o.b. Halifax probably locked the card to make sure and its all he does is moan. Anyway if you phone you can pass security and get it unlocked. Sounds like a cock and bull story to me
101 Comments

Hmm can they afford this because they charge worse exchange rates? What's the catch? 🤔

Thanks

Original Poster

icecube932 m ago

Hmm can they afford this because they charge worse exchange rates? What's …Hmm can they afford this because they charge worse exchange rates? What's the catch? 🤔


  • The rate you'll get is set by Mastercard – it tends to be higher than Visa's and Amex's rate.

How is it worse exchangevrates?

Fantastic card - great for holidays and buying from the Various (non UK) Amazon sites.

Definitely a great card, use it all the time for business travel.

I have this card and it is very good for spending abroad. All i would say is that the cash machone withdrawel although it has no fees, interest is charged from the day you withdraw and it may not show for a few days so you cant pay. Not a month later as with normal card usage.
I also got this when they had £20 cashback a few months back. Cant complain

I had major problems with the clarity in Jordan and Nepal, when trying to get cash out caused me problems and it refused. I'm currently in a spat with Halfiax who are saying I entered my pin wrong 4 times, really when it's my DOB and I just happened to enter it wrong!? This caused them to block the card and leave me having to find an alternative in the middle of Jordan last month. I've just cancelled it and send off for the Platinum Barclaycard, which is a Visa but it's guaranteed fee free cash withdrawals worldwide until 2022 and they don't charge interest on cash withdrawals, where MasterCard do until it's paid off. This has caused me to end up paying a little bit of interest if I haven't been able to pay off the cash withdrawals immediately on internet banking due to no Internet or WiFi being unsecured etc when abroad so the marginal difference in exchange rate with Visa is better for me. I have previously set up a payment in advance but I had a snotty call off Halifax telling me overpayments weren't allowed. This is when I knew I was going to use my card then go on a cruise so wouldn't have internet and wanted to avoid interest.

I'm also more tempted to Visa as I never had a problem with the Norwich and Peterborough Visa card with drawing cash abroad.

The Topcashback for a platinum visa was also more than Halifax. Did it last night, accepted £5k limit, all set up online and you get a £15 free Uber after you've made so many journeys (I've forgotten how many).
Edited by: "rachelandgromit" 22nd Nov

rachelandgromit10 m ago

I had major problems with the clarity in Jordan and Nepal, when trying to …I had major problems with the clarity in Jordan and Nepal, when trying to get cash out caused me problems and it refused. I'm currently in a spat with Halfiax who are saying I entered my pin wrong 4 times, really when it's my DOB and I just happened to enter it wrong!? This caused them to block the card and leave me having to find an alternative in the middle of Jordan last month. I've just cancelled it and send off for the Platinum Barclaycard, which is a Visa but it's guaranteed fee free cash withdrawals worldwide until 2022 and they don't charge interest on cash withdrawals, where MasterCard do until it's paid off. This has caused me to end up paying a little bit of interest if I haven't been able to pay off the cash withdrawals immediately on internet banking due to no Internet etc when abroad so the marginal difference in exchange rate with Visa is better for me.I'm also more tempted to Visa as I never had a problem with the Norwich and Peterborough Visa card with drawing cash abroad.The Topcashback for a platinum visa was also more than Halifax. Did it last night, accepted £5k limit, all set up online and you get a £15 free Uber after you've made so many journeys (I've forgotten how many).


Date Of Birth for a bank card pin number? I am sure that is rule number 1 of what not to use.

sjr1974uk33 m ago

Is this better than https://www.postoffice.co.uk/travel-money/card ?


They're different animals - The card you linked to is a pre-pay card where you top up beforehand. I looked into the Post Office Travel Card and found the fees and exchange rate are really poor and have instead gone for a Revolut card... Revolut

Original Poster

DrJogalog27 m ago

Date Of Birth for a bank card pin number? I am sure that is rule number 1 …Date Of Birth for a bank card pin number? I am sure that is rule number 1 of what not to use.


Exactly! Always the bank thats wrong never the customer. The four times even though i'm sure its three. Get it wrong on the third and it takes your card.

Also he doesn't realise his cards been cloned. Yes you might have not enteted it wrong four times but someone else has and they don't need to have your card.

Probably just luck they didn't guess his d.o.b. Halifax probably locked the card to make sure and its all he does is moan. Anyway if you phone you can pass security and get it unlocked. Sounds like a cock and bull story to me

sjr1974uk46 m ago

Is this better than https://www.postoffice.co.uk/travel-money/card ?



the post office do have their own credit card version but if I remember it doesn't allow the withdrawal however if like me you just use it as a credit card and prefer not to use the Halifax then its the best option

This is the only card I use when travelling. If you draw cash, make sure you transfer the money back in to avoid interest.

Great card for holidays and online purchases in foreign currency ($, euro, etc). I can't recommend it enough.

Anon3240 m ago

Exactly! Always the bank thats wrong never the customer. The four times …Exactly! Always the bank thats wrong never the customer. The four times even though i'm sure its three. Get it wrong on the third and it takes your card.Also he doesn't realise his cards been cloned. Yes you might have not enteted it wrong four times but someone else has and they don't need to have your card. Probably just luck they didn't guess his d.o.b. Halifax probably locked the card to make sure and its all he does is moan. Anyway if you phone you can pass security and get it unlocked. Sounds like a cock and bull story to me

Rachel is a she.

And a highly respected HUKD member especially when it comes to all things holiday related, so I doubt she'd make stuff up

master101 h, 23 m ago

I have this card and it is very good for spending abroad. All i would say …I have this card and it is very good for spending abroad. All i would say is that the cash machone withdrawel although it has no fees, interest is charged from the day you withdraw and it may not show for a few days so you cant pay. Not a month later as with normal card usage. I also got this when they had £20 cashback a few months back. Cant complain


I normally over pay my credit card when I know I will withdraw money in near future so that way my account is in credit and I don't get any interest on cash withdrawl.

icecube931 h, 50 m ago

Hmm can they afford this because they charge worse exchange rates? What's …Hmm can they afford this because they charge worse exchange rates? What's the catch? 🤔


??? You make no sense. You been on that kryptonite again. Rates are better than visa and Amex. Ya dunno Cuboid.

rachelandgromit1 h, 40 m ago

I had major problems with the clarity in Jordan and Nepal, when trying to …I had major problems with the clarity in Jordan and Nepal, when trying to get cash out caused me problems and it refused. I'm currently in a spat with Halfiax who are saying I entered my pin wrong 4 times, really when it's my DOB and I just happened to enter it wrong!? This caused them to block the card and leave me having to find an alternative in the middle of Jordan last month. I've just cancelled it and send off for the Platinum Barclaycard, which is a Visa but it's guaranteed fee free cash withdrawals worldwide until 2022 and they don't charge interest on cash withdrawals, where MasterCard do until it's paid off. This has caused me to end up paying a little bit of interest if I haven't been able to pay off the cash withdrawals immediately on internet banking due to no Internet etc when abroad so the marginal difference in exchange rate with Visa is better for me.I'm also more tempted to Visa as I never had a problem with the Norwich and Peterborough Visa card with drawing cash abroad.The Topcashback for a platinum visa was also more than Halifax. Did it last night, accepted £5k limit, all set up online and you get a £15 free Uber after you've made so many journeys (I've forgotten how many).

It's mastercard & visa that put the block in place, and I've had both do this for unexplained reasons. I just wish that the banks would get their act together and tell you when your card has been blocked. Worth noting that some of the Jordanian banks have a dodgy practice of charging in USD (at their own rate) without telling you.

The clarity charges interest from the day you withdraw. Either prepay the balance that day or preload (technically against terms and conditions) before the transaction to avoid paying interest.generally the interest charges are tiny and you get a decent rate. You can still be charged fees relevant to the cash machine vendor so depends on the machine also. Never had problems woth this card and keep it purely for travel.

I need this card and the £20 cashback just makes it even better. Bonus!

So I signed up for one as it'll be useful when I travel.

I am not impressed that they gave me a £3300 credit limit when I only asked for £2000 as that's a questionable practice.

"All you have to do is spend ANY amount abroad in foreign currency by 31st March 2018"


can this just be spent online with a non-uk seller?

Just what i need for using abroad. Thanks

mtc12 h, 13 m ago

Fantastic card - great for holidays and buying from the Various (non UK) …Fantastic card - great for holidays and buying from the Various (non UK) Amazon sites.


I think you've answered my question already, so if I use inside UK to purchase something for 1$¥€¢ etc from a non UK website eg Amazon I will be eligible for £20 cashback

popoyaya8 m ago

"All you have to do is spend ANY amount abroad in foreign currency by 31st …"All you have to do is spend ANY amount abroad in foreign currency by 31st March 2018"can this just be spent online with a non-uk seller?


That's what I'd like to know?

Interest charges are not "no fees whatsoever".

prayank767948 m ago

I normally over pay my credit card when I know I will withdraw money in …I normally over pay my credit card when I know I will withdraw money in near future so that way my account is in credit and I don't get any interest on cash withdrawl.



Overpaying is against their terms & conditions though. Not sure what the penalty is if they do find out though.

rachelandgromit2 h, 15 m ago

I had major problems with the clarity in Jordan and Nepal, when trying to …I had major problems with the clarity in Jordan and Nepal, when trying to get cash out caused me problems and it refused. I'm currently in a spat with Halfiax who are saying I entered my pin wrong 4 times, really when it's my DOB and I just happened to enter it wrong!? This caused them to block the card and leave me having to find an alternative in the middle of Jordan last month. I've just cancelled it and send off for the Platinum Barclaycard, which is a Visa but it's guaranteed fee free cash withdrawals worldwide until 2022 and they don't charge interest on cash withdrawals, where MasterCard do until it's paid off. This has caused me to end up paying a little bit of interest if I haven't been able to pay off the cash withdrawals immediately on internet banking due to no Internet etc when abroad so the marginal difference in exchange rate with Visa is better for me.I'm also more tempted to Visa as I never had a problem with the Norwich and Peterborough Visa card with drawing cash abroad.The Topcashback for a platinum visa was also more than Halifax. Did it last night, accepted £5k limit, all set up online and you get a £15 free Uber after you've made so many journeys (I've forgotten how many).




When's your birthday? And how old are you this year?

master1015 m ago

Overpaying is against their terms & conditions though. Not sure what the …Overpaying is against their terms & conditions though. Not sure what the penalty is if they do find out though.



I normally set up a transfer 3 days after I know I will be withdrawing abroad and repeat a few days further ahead. I've never been charged, but even a small amount of interest for a few days is marginal.

I've just taking out a Barclaycard Platinum Travel Credit Card as I have the Clarity card, cashback tracked within minutes. I'll probably take out another Clarity card for my wife.

y-oh-y8 m ago

I normally set up a transfer 3 days after I know I will be withdrawing …I normally set up a transfer 3 days after I know I will be withdrawing abroad and repeat a few days further ahead. I've never been charged, but even a small amount of interest for a few days is marginal.I've just taking out a Barclaycard Platinum Travel Credit Card as I have the Clarity card, cashback tracked within minutes. I'll probably take out another Clarity card for my wife.



You know you can get two clarity cards for the same account, one for a family member. Sure I read it in the t&c's
TBF the interest is marginal, so not a big issue was just making people aware.

If
KongDonkey11 m ago

Would this work in Zimbabwe ATMs ?


If they accept mastercard, yes.

i had this card for over a year now, best card for travellers, i went to 6 european countries and used in all of them without any charge on spending, gave me hightest rates compared to any other card/bank i compared, amazing card

master1012 m ago

You know you can get two clarity cards for the same account, one for a …You know you can get two clarity cards for the same account, one for a family member. Sure I read it in the t&c'sTBF the interest is marginal, so not a big issue was just making people aware.



Yes, you can add an additional cardholder, but if you take out a separate individual card (wife), you'll qualify for the £20 offer.
Quidco are offering £25 and Topcashback slightly more for the Barclaycard Platinum Travel Credit Card - that's what I'll be mainly using for cash withdrawals abroad now.
I often pay abroad with cards now for restaurants / shops etc, so cash isn't needed as much. I use cash mainly for bars and transport.

rachelandgromit3 h, 10 m ago

I had major problems with the clarity in Jordan and Nepal, when trying to …I had major problems with the clarity in Jordan and Nepal, when trying to get cash out caused me problems and it refused. I'm currently in a spat with Halfiax who are saying I entered my pin wrong 4 times, really when it's my DOB and I just happened to enter it wrong!? This caused them to block the card and leave me having to find an alternative in the middle of Jordan last month. I've just cancelled it and send off for the Platinum Barclaycard, which is a Visa but it's guaranteed fee free cash withdrawals worldwide until 2022 and they don't charge interest on cash withdrawals, where MasterCard do until it's paid off. This has caused me to end up paying a little bit of interest if I haven't been able to pay off the cash withdrawals immediately on internet banking due to no Internet etc when abroad so the marginal difference in exchange rate with Visa is better for me.I'm also more tempted to Visa as I never had a problem with the Norwich and Peterborough Visa card with drawing cash abroad.The Topcashback for a platinum visa was also more than Halifax. Did it last night, accepted £5k limit, all set up online and you get a £15 free Uber after you've made so many journeys (I've forgotten how many).


never had a problem myself, with over 3 years of using it.

sounds like you may have put in the wrong PIN.

besides 6 digit DOB: 4 digit PIN

sandman19861 h, 28 m ago

The clarity charges interest from the day you withdraw. Either prepay the …The clarity charges interest from the day you withdraw. Either prepay the balance that day or preload (technically against terms and conditions) before the transaction to avoid paying interest.generally the interest charges are tiny and you get a decent rate. You can still be charged fees relevant to the cash machine vendor so depends on the machine also. Never had problems woth this card and keep it purely for travel.


That's what I do. Log onto online banking after withdrawing cash abroad and make a payment to the credit card for the amount you withdrew.

Even if you don't have internet until a few days after the interest charge is only 20p or so for £100 withdrawal.

The rate you get from cash machines abroad beats anything you'd get here at an exchange before you go, unless you get lucky with the rate being high on the day then dropping while you're away.

You can find out the exchange rate used on the card here. Although last time I used it some dates were missing or only added several days after.

mastercard.co.uk/en-…tml

This card is great. Personally, I travel with my Clarity CC & Revolut card. Both get me through holidays with no issues. Personally withdraw cash from Revolut as you get £200 fee free to withdraw and then spending on Clarity.

When I have taken only my Clarity card, I ensure I have a £0 balance and withdraw the moment I arrive on holiday. Depending on the country and how accessible paying with card at restaurants etc I withdraw enough that should get me by.
If its a cash only type country, ie Vietnam/SE Asia I withdraw and then pay back the amount immediately (normally it will show under pending transactions) 1 Day of interest is still tiny compared to fees other cards would charge.

If its a European country I generally just spend everything on my card in which case withdraw "petty cash" on arrival and then spend rest on card.

Little hack I use when travelling with friends, pay for entire bills on your card and just take their cash.

PS. Many ATMS will try do the exchange for you, IE charge you the transaction in £ sterling. NEVER ACCEPT THIS, ALWAYS CHARGE YOUR CARD WITH THE LOCAL CURRENCY AMOUNT

Does this mark your credit file as a cash withdrawal from your credit card?

Original Poster

augen2 h, 36 m ago

So I signed up for one as it'll be useful when I travel.I am not impressed …So I signed up for one as it'll be useful when I travel.I am not impressed that they gave me a £3300 credit limit when I only asked for £2000 as that's a questionable practice.


The credit limit can be changed down at any time.
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