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

A variable representative of
18.9% APR
A variable annual purchase rate of
18.95% p.a
Based on borrowing
£1,200 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.

APR Representative 18.9% APR (variable)
Rates from 18.9% APR to 25.9% APR, depending on individual circumstances.
Interest rates   Introductory promotional rates Standard monthly rate (variable) % Effective annual rate (variable) %
Purchases Not applicable. 1.456% or
1.667% or
18.95% or
21.95% or
Cash transactions Not applicable. 1.456% or
1.667% or
18.95% or
21.95% or
Balance transfers and money transfers (if available) Balance transfers: Not applicable.
Money transfers: Not available
1.456% or
1.667% or
18.95% or
21.95% or
Default charges - the simple annual interest rate is 17.472% or 20.004% or 23.292%
We will charge you £12 if you do not make at least your minimum payment to us by the payment due date requested on your statement. You will lose your promotional offers if this happens and the standard interest rates for the applicable transactions will apply.
Interest-free period
  • Maximum 56 days for purchases if you pay your balance in full (including any balance transfers and money transfers) by the payment due date and you also paid your previous month's balance in full by the due date.
  • No interest-free period cash transactions.
  • There is no interest free period for balance transfers or money transfers (if available) where these are outside promotional offers.
Interest charging information We calculate interest daily for all transactions (purchases, cash transactions, balance transfers and money transfers) based on the total amount you owe. We add together all the daily interest amounts in each statement period and add the total to your balance on your statement date. There are three exceptions to this rule:
  • Annual fees: We do not charge interest on annual fees (see below for details of whether your card has an annual fee).
  • Purchases: We do not charge interest on purchases during the interest free period, as detailed above.
  • Default charges: We do not charge interest on default charges for the first 28 days after the day we give you notice (usually in your statement) that these charges are payable. After that we charge simple interest, so we will not charge interest on interest.
Allocation of payments We use your payments to pay off balances charged at the highest interest rate first and so on down to balances with the lowest interest rates. This means the more expensive balances are always paid off first.
If there is more than one type of balance at the same interest rate, they are paid off in the following order: cash transactions, purchases, balance transfers and money transfers, and then default charges (plus any interest or charges incurred as a result of those balances). For each type of balance, your payments will pay off the oldest balance (and related fees, charges or insurance) first.
Minimum payment 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). The different ways you can repay are included on the back of your statement and in your credit card agreement.
Credit limit Minimum credit limit Subject to status.
Maximum credit limit Subject to status.
Your credit limit is the total amount you can borrow under the credit card agreement. We tell you what it is in writing soon after entering in to this agreement. Please see your credit card agreement for any limitations that apply to certain transactions.
Annual fee
No annual fee.
Fees Cash transactions (any currency) None
Promotional balance transfers and money transfers fee (if available) 3% of transfer (min £3).
Non-promotional balance transfers and money transfers fee (if available) 0% of transfer.
Statement copy fee £5 for copies of non-current statements.
Non-sterling transactions (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 transaction 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:
For a purchase of £1,000 on your Halifax Clarity CREDIT CARD.

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 first year? £167.22 £143.32
How much interest will you be charged in the second year? £148.04 £57.14
How long would it take to clear the balance? 18 years 4 months 2 year 2 months

The above example assumes the following:

  • The transaction takes place on 1st January and you make no further transactions.
  • You always make the payment each month on the 15th.
  • Your statement is produced on the 1st of each month.
  • You are on the best rate available for this card.

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 you would like further information, please contact us. We 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 of the competitive rate on your Halifax 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 without any additional charges.

What does 'Non-sterling transaction fee' mean?

A foreign exchange fee or commission charge is applied by many credit cards to transactions you make abroad with your card. Typically this fee is around 3%, but with your Halifax 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 and the rate that’s applied to a transaction is the exchange rate on the day of settlement. The day of settlement is the day that MasterCard determines the settlement amount to be exchanged between the acquirer and the issuer. The settlement date is normally different from the date of the actual transaction.

The Halifax doesn’t 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:

B7.3 Payment amount
You must make at least the minimum payment by the payment due date if there is a balance payable to us on your statement. You can always pay more than the minimum payment at any time, including repaying everything you owe.

You must not pay us more than you owe when you make payments to your account, or transfer funds from another credit or store card if this creates a credit balance on your account. If there is a credit balance on your account at any time, we may apply it to any recent transactions not yet shown on your account, or to transactions made after the date your account goes into credit. We may also return any credit balance to the account from which the money has been sent or pay the funds into a deposit account you hold with us. We do not pay interest on any credit balances or take them into account for the purpose of any reward schemes.

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 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.