![]() Service provider and read the information they can provide. We endeavour to ensure that the information on this site is current andĪccurate but you should confirm any information with the product or Offer credit facilities from a panel of lenders. We are a credit broker and not a lender and Choose from the following direct debit options for your monthly repayments: Minimum amount more info buttonį Comparison UK Limited (company number: 10482489) isĪuthorised and regulated by the Financial Conduct Authority (firm The table below shows the options available. You can arrange a direct debit for repayments when you apply for the credit card. Alternatively, you may wish to set up a direct debit.Ī direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) or losing any promotional rates as a result. You can make manual repayments through Halifax's app by logging in to your online banking or over the phone (03). We’ll keep this review updated whenever the offer’s available. Please note: from time to time Halifax has offered a £20 sign-up bonus on this card (provided you make a purchase within 90 days of account opening). For spreading the cost of large purchases (like a holiday) over longer periods, or for earning rewards and enjoying perks, more specialised cards are available.Īll in all, the Clarity is deserving of its respected status as a go-to travel credit card. But as a potentially low-cost travel credit card, the Halifax Clarity is a solid pick.įor many (including the reviewer), the Clarity will be popular as a second credit card. Sure, there are still some fees you’ll need to look out for – such as cash advance and foreign ATM fees, and most people don’t realise that non-sterling cash advances won’t benefit from the usual “up to 56 days” interest-free. With no currency conversion fees on overseas spending, the Halifax Clarity credit card is a handy travel companion for those looking for a card to cover everyday spending at home and abroad. It's always wise to check the terms of any deal before you borrow. ![]() Fees and rates are subject to change without notice. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. The representative APRs shown represent the interest rate offered to most successful applicants. If, however, you're planning to use the card for anything other than overseas spending, there are probably more suitable cards available from both Halifax and other card issuers.Īpproval for any credit card depends on your status. If you're outside of the EU, some cheeky merchants might also levy a surcharge on credit card transactions (ask before you pay).Īs a little bonus, you'll have access to exclusive entertainment and travel experiences through the Mastercard Priceless Cities programme. If you stick to using the Clarity for non-cash transactions and pay off your balance in full when the bill comes through, you should enjoy a catch-free experience!Īs with any credit card offering favourable currency conversion, whenever you're presented with the option to pay in the local currency or for the local merchant/bank to convert to the local currency for you, you should choose to pay in the local currency (otherwise the it will be the local bank or merchant whose currency conversion fee structure will apply, rather than your card issuer's). These cash withdrawal catches are mostly out of Halifax's hands, but all in all, we think they make the card's 0% currency conversion on cash a nice perk, but one to be used sparingly and with caution. Finally, making credit card cash advances will be recorded in your credit file and can hurt your credit score (you can see your own credit score and report for free through Finder). Secondly, if you withdraw cash overseas, it'll start to accrue interest from the day the funds leave your account (it won't benefit from the grace period that applies to regular purchases when you clear your balance in full each month). Let's run through them one by one.įirstly, the local ATM may still charge you a fee. If you do opt to take this card away on your next trip, just bear in mind that if you use it to withdraw non-sterling cash, there will still be catches that you'll want to bear in mind. In fact, the Clarity goes a step further than a lot of those similar cards, by giving fee-free currency conversion on cash withdrawals overseas too. In fact, it's almost a household name! Cards like the Clarity card use Mastercard currency conversion rates, so as well as swerving the fees, you can rest assured that the charges haven't simply been hidden in an artificial exchange rate. ![]() The Halifax Clarity Credit Card is one of the most popular cards on the market for taking overseas, with zero fees on spending abroad.
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