Halifax Clarity Credit Card.

One simple rate & no usage fees - however and wherever you use your Clarity Credit Card.

Credit available subject to status, to UK residents aged 18 or over. You can transfer balances to us (£100 minimum) from most credit cards and some store cards, excluding other Halifax products.

What's really exciting about the Halifax Clarity Credit Card is that there are no usage fees:

  • No fee to transfer a balance
  • No cash withdrawal fee (some ATM providers may charge a fee)
  • No fee to use it anywhere worldwide
  • No annual fee

Where applicable interest charges still apply - see the summary box for full details.

Representative example

18.9% APR
Purchase rate
18.95% p.a
Based on borrowing
over 12 months.
This example is for illustrative purposes and serves as a guide only. Your actual credit limit and rate will vary based on your individual circumstances and may differ from the example shown.

It takes just minutes to apply for this credit card.

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You may be eligible to apply for a second credit card with us. Excludes Student Credit Card customers, conditions apply.

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About your card

Here are some of the features you get with your Halifax Credit Card

  • Cover against online fraud and your transactions are protected by Halifax Secure when you shop online with participating retailers.
  • Manage your card online using Online Banking and Mobile Banking.
  • Make Faster Payments to your card within a matter of hours, giving you more flexibility and control over your finances.
  • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide.

What is a representative example?

The representative example is an illustration of the rate that the majority of customers will get. If a credit card is described as having a particular representative APR, then at least 51% of the applicants accepted will get that rate. Other customers may get a different rate based on their individual circumstances.

We use an example borrowing amount of £1,200 to calculate our representative example but in reality this figure could be different. This figure is not the credit limit you will be receiving and is for illustrative purposes only.

The purchase rate is the rate of interest you'll be charged on purchases made with your credit card after any introductory offer has ended. A variable rate means that your interest rate may change over time.

What does APR mean?

Annual Percentage Rate (APR) tells you how much your borrowing will cost over an average year. It takes into account interest charged as well as any additional fees you'll have to pay (such as any annual fees). This figure is given to allow you to make an easy and fair comparison between different credit cards.

How do we decide the APR you get?

We treat all applications on an individual basis. So the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history.

At least 51% of customers will get a representative rate of 18.9% APR (variable). Others will get a rate of either 21.9% APR (variable) or 25.9% APR (variable).

It takes just minutes to apply.

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Summary box

It’s always good to know the exact details so here is a clear summary of all the key credit card features. The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

SUMMARY BOX - Halifax Clarity Credit Card
APR Representative 18.9% APR (variable)
Rates from 18.9% APR (variable) to 25.9% APR (variable), depending on individual circumstances.
Interest rates   Introductory rate Monthly rate Annual rate
Purchases not applicable 1.456% or
1.667% or
18.95% or
21.95% or
Cash Withdrawals not applicable 1.456% or
1.667% or
18.95% or
21.95% or
Balance Transfers not applicable 1.456% or
1.667% or
18.95% or
21.95% or
We may apply the standard interest rate during any special promotion period to any transaction if in any month you do not make at least your minimum payment by the minimum payment date or if you exceed your credit limit at any time.
Interest-free period
  • Maximum 56 days for purchases if you pay the full balance shown on your previous and current statement on time.
  • No interest-free period on balance transfers or cash withdrawals.
Interest charging information You will not pay interest on new purchases if you pay the full balance shown on your previous and current statement on time. Otherwise, the period over which interest is charged is as follows:
  From Until
Purchases date debited to your account paid in full
Cash Withdrawals date debited to your account paid in full
Balance Transfers date debited to your account paid in full
Allocation of payments If you don't pay your balance in full we will allocate payments to balances with the highest interest rate before balances with lower interest rates. See section 6.1 of the terms and conditions for full details
Minimum repayment An amount equal to the total of interest, default charges and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5).
Credit limit Minimum credit limit £500. Your cash limit is 50% of your actual limit.
Maximum credit limit Subject to status.
Fees No annual fee.
Charges Cash withdrawals None
Balance Transfers No fee applies on standard rate; 3% (minimum £3) may apply on special promotion rates.
Copy statements £6 for copies of non-current statements.
Copies of transactions £5 for each copy of a record of a transaction.
Foreign Usage Payment scheme exchange rate Indicative rates can be found at MasterCard Currency Conversion Tool.
One or more of the following may apply:
     Non-Sterling Transaction fee None
     Cash fee None
Default charges Late Payment charge £12
Returned Payment charge £12
Overlimit charge £12

Cost of Borrowing

Credit cards are designed to be a flexible form of borrowing. Paying the minimum amount every so often can help you manage your money more effectively, although we would not recommend that you make minimum payments for a long period of time once your promotional offers have ended. Once your account is open, you can set up a Direct Debit for any fixed amount over the minimum payment by calling 03457 28 38 48. Lines are open 24 hours a day, 7 days a week.

For longer term borrowing it may be more appropriate to choose a loan from us. If you would like to find out more about this you can call Halifax Personal Loans on 0345 600 4611, (Lines are open 8am to 10pm, Monday to Friday, 9am to 6pm on Saturdays and 9:30am to 5:30pm on Sundays) or visit halifax.co.uk/loans or call into a Halifax branch, where our staff will be happy to help.

The following example highlights the difference between only paying the minimum and paying a fixed amount. The example assumes the following:

  • The transaction takes place on the 1st of the month and you make no further transactions.
  • Your statement is produced on the 1st of each month.
  • You always make payment on the 15th of each month.
  • You are on the best rate available for this card.
  • The calculation does not include any introductory rate on purchases.
Illustrative example for a £1,000 purchase based on 18.9% APR
Monthly payment If you pay the minimum payment each month If you pay £50 each month
How much interest will you be charged in the 1st year? £167.22 £143.32
How much interest will you be charged in the 2nd year? £148.04 £57.14
How long would it take to clear the balance? 18 years 4 months 2 years 2 months

Halifax is a responsible lender and we only want you to borrow what you can afford and in a way that is best for you. If you'd like to talk to us about the choices you've made or would like advice, we will be happy to refer you to a member of staff who will be able to help you. They will also be able to help you if you're experiencing financial difficulties.

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We've listened to the comments of our customers and below are a list of answers that we hope will help to resolve some of the questions you may have around the Halifax Clarity Credit Card.

Can I transfer a balance?

You can transfer a balance from most other credit or store cards, and we won't charge you a fee for doing so. This means that you can take advantage on the competitive rate on your Halifax Clarity Card or Halifax Rewards Clarity Card without any additional charges.

What does 'BT fee' mean?

BT is an abbreviation for Balance Transfer. A Balance Transfer transaction is the movement of a balance from one credit or store card account to another, typically to take advantage of a better interest rate. Many other credit cards will charge a fee for this service (typically 3%), but with the Clarity Credit Card, this service is fee-free, so you can take advantage of the competitive rate on your Halifax Clarity Credit Card or Halifax Rewards Clarity Credit Card without any additional charges.

What does 'foreign exchange fee' mean?

A foreign exchange fee or commission charge is applied by many credit cards to any transactions you make abroad with your card. Typically this fee is around 3%, but with your Halifax Clarity Credit Card or Halifax Rewards Clarity Credit Card, there is no foreign exchange fee.

How much will I be charged for withdrawing cash abroad?

You will not be charged a fee by us for withdrawing cash from an ATM (cashpoint) anywhere in the world. Some ATM providers charge a fee, but this should be made clear to you at the time of withdrawal and is unfortunately outside of our control. You will still be charged interest from the date that the withdrawal is made, but unlike some credit cards which charge a higher rate of cash, you will be charged the same competitive rate as if you had made a purchase.

What exchange rate will I be charged on transactions made abroad using the Clarity Credit Card?

The exchange rate is set by Mastercard at the time that you make the transaction. Halifax do not apply any loading, fees or charges to this rate.

Can I put money on my card to increase my available credit whilst on holiday?

Credit cards are not designed to be used this way. Using the card in this way breaches the product's Terms & Conditions, which state:

7.7 You must not make payments or transfer funds from another credit or store card to your account that would leave a credit balance on your account. We may return any funds that exceed the balance owing on your account to the account from which the money was sent.

Will I get charged interest if I withdraw cash from a cash machine?

You pay interest from the day you withdraw cash, but unlike many other cards, there's no withdrawal fee. Whilst we won't charge you a cash advance fee, some independent cash machine providers may charge a fee for their service.

Is there a daily cash withdrawal limit?

You can use your new Halifax Clarity Credit Card or Halifax Rewards Clarity Credit Card to withdraw up to £500 per day from any cash machine in the world that has MasterCard logo. You pay interest from the day you withdraw cash, but unlike many other cards, there's no withdrawal fee.

Halifax Credit Cards are issued by Bank of Scotland plc, Registered in Scotland No.SC327000.Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration no. 169628.

We subscribe to The Lending Code.