Halifax Clarity Credit Card Reviews | Travel Card

Halifax is one of the top banks in the UK and it is a division of Bank of Scotland, which is a subordinate of Lloyd’s Banking Group. Halifax offers a variety of credit cards that are designed according to individual needs. Whether you’re looking for a balance transfer or an interest-free contract on purchases, Halifax Clarity fulfills your needs.

These are provided under the MasterCard, so your card may be used in around million locations worldwide. It also offers student credit cards, long-term, low-rate credit cards, and cards for overseas use with a low-interest rate.

Interest rates vary across the range of Halifax Credit Cards, and the rate you will be offered will depend on your individual circumstances.

Entirely synchronized by the Financial Conduct Authority (FCA).

Clarity Credit Card arrives with straight benefits and is free from fees. With a low cash APR and no FX fees, it can be a rocking choice while traveling.

Halifax Card Overview

Are good for:

• Using overseas
• Paying no fees on FX transactions and cash withdrawals
• Paying a little cash APR
• Reducing interest charges on existing credit card debt
• Reducing interest charges on purchases
• Checking your chances of acceptance before applying

Are bad for:

• Those who want an interest grace period for cash withdrawals
• Individuals, who, for a balance transfer, are looking for a 0% promotional period.
• It is bad for those who need to move accessible balances from another Halifax credit card

The Halifax Clarity Credit Card is amongst the best travel credit cards for using overseas because it charges no FX fees and it is appropriate non-Sterling buys made abroad.

As it’s good to avert withdrawing cash because of the expense, charges relatively low-interest rates on cash withdrawals for any inevitable withdrawals. You should try to pay back any withdrawals right away because cash withdrawals start accruing interest charges at once.

Clarity Card charges the same rate for cash withdrawals as it does for purchases.

18.9% Representative

Purchase rate 18.95%

Example: The standard interest rate is 18.95% p.a. on purchases, so if you borrow £1,200,  the Representative APR will be 18.9% (variable).

Halifax Benefits & Features

Eligibility Checker	To see your chances of acceptance before applying
Annual Fee	£0
Cash Withdrawal Fees	Nil
Balance Transfers Fees	None
APR (variable)	18.9% on purchases, balance transfers, cash withdrawals and money transfers
Transaction Fees	No transaction fees on foreign buys and cash withdrawals

Eligibility Criteria Applying for Halifax Credit Card

Before applying, keep it in mind that:

• You should be aged 18 or over
• You should be a UK resident
• You must be employed and have a regular income
• No bankruptcy, No CCJs or IVA

Fees

Description	Fees
Annual fee	£0
Transaction fee	£0
Promotional balance transfer fee	3% of transfer
Non-Sterling Transaction fee	0% of the sterling amount
Promotional money transfer fee	3% of transfer
Statement copy fee	£5
Non-promotional money transfer fee	0% of transfer
Late payment fee	£0
The arrangement fee	£0
Early repayment fee	£0

For a cash withdrawal in a foreign currency cash transaction fee and a non-Sterling transaction fee of 12£ will be applied

Halifax Compared to Aqua

For those who are trying to rebuild a strong credit rating to travel abroad and to get rewards, the Aqua Rewards Credit Card is the best choice.

For those who have strong credit, the Halifax Clarity card is a stronger competitor as a travel card because it doesn’t charge a fee on sports and ATM withdrawals and has noticeably lower interest rates.

Clarity VS Creation Everyday

The Creation Everyday Credit Card is one of the best no-fee travel cards, as it doesn’t have any FX fees on transactions and cash withdrawals made in foreign currency.

Even when you are away, with the majority of cards, you’ll get the chance to save money by receiving online to pay back any cash withdrawals as soon as possible. With the Creation Credit Card, most of travelers will save on overseas transactions

Halifax Credit Card Contact Number

If you want additional information about Halifax Clarity Credit Card, you can contact through this address:

 Lloyds Banking Group PLC, Credit Card Operations, BX1 1LT.

If you are calling from outside the UK for customer service call us on +44 (0)01733 573 189 and for the UK use 

0345 944 4555.  For the replacement card or PIN use  Halifax Mobile Banking app.