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.
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
|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
|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.
Lisa is a passionate travelers. She spends 3 months every year visiting different places worldwide. She has visited almost every famous place in the world. She herself is an affiliate blogger