Halifax Clarity Credit Card
A great credit card that won’t charge you any usage fees - whether you’re on holiday, transferring a balance, or simply getting money out.
Overview
The Clarity card is our newest credit card and has one simple interest rate of 12.9% APR representative variable, however or wherever you use it.
What's really exciting about Clarity is that there are no usage fees:
No fee to transfer a balance No cash withdrawal fee No fee to use it anywhere worldwide No annual fee.
That’s it, it really is that simple!
Other Extras
The Halifax Clarity Credit Card offers the following extras:
- Cover against online fraud when purchasing on the Internet
- Card replacement if lost
- No interest will be charged on purchases if every statement balance is paid in full by the payment date
- Manage your card online
- Accepted wherever you see the MasterCard sign in over 31 million locations worldwide
- Additional cards available
- Around the clock service
Summary box
| The information contained in this table summarises key product features and isn't intended to replace any terms and conditions. | ||||
| APR | Representative 12.9% APR (variable) Rates from 12.9% APR variable to 21.9% APR variable depending on individual circumstances |
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| Interest rates | Introductory rate | Monthly rate | Annual rate | |
| Purchases | N/A | 1.017% or 1.385% or 1.667% | 12.92% or 17.95% or 21.95% | |
| Cash advances | N/A | 1.017% or 1.385% or 1.667% | 12.92% or 17.95% or 21.95% | |
| Balance transfers | N/A | 1.017% or 1.385% or 1.667% | 12.92% or 17.95% or 21.95% | |
| Interest free period |
The interest free period applies only to purchases if you pay your balance in full and on time each month. See section 3.5 of the terms and conditions for full details. There's no interest free period on cash advances, balance transfers or cheques. |
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| Interest charging information | You won't pay interest on new purchases if you pay your balance in full and 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 advances | Date debited to your account | Paid in full | ||
| Balance transfers | Date debited to your account | Paid in full | ||
| All other amounts | Date debited to your account | Paid in full | ||
| Allocation of payments | If you don't pay your balance in full we'll allocate your payments to balances with the highest interest rate before balances with lower interest rates. See Section 2.2 of the terms and conditions for full details. | |||
| Minimum repayment | Each month in which you have a balance outstanding on your account you must repay an amount equal to the total of any Credit Card Repayments Cover premiums, interest, default sums plus 1% of the balance shown on your statement (minimum £5), or the full balance if less than £5. | |||
| Credit limit | Minimum credit limit | Subject to status | ||
| Maximum credit limit | Subject to status | |||
| Fees | No annual fee | |||
| Charges | Cash advance fee | N/A | ||
| Foreign exchange commission | N/A | |||
| Balance transfer fee | No fee applies on standard rate; 3% (minimum £3) will apply on special promotion rates | |||
| Cheque fee | N/A | |||
| Copy statement fee | £5 | |||
| Statement date change fee | N/A | |||
| Processing any foreign currency payment to us | N/A | |||
| Stopped cheque fee (other than lost or stolen) | N/A | |||
| For further details please refer to the account terms and conditions. | ||||
| Default charges | Late payment fee | £12 | ||
| Over limit fee | £12 | |||
| Returned payment fee | £12 | |||
Your APR Explained
As we treat all our customers and their applications on an individual basis, the APR and interest rates we offer are determined by the details customers supply, along with an independent verification of credit and repayment history.
Your personal APR will be from 12.9% APR variable to 21.9% APR variable, depending on individual circumstances.
51% of customers are offered our best rate of 12.9% APR representative (variable).
Common Enquiries
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?
What does 'BT fee' mean?
What does 'foreign exchange fee' mean?
How much will I be charged for withdrawing cash abroad?
What exchange rate will I be charged on transactions made abroad using the Clarity Credit Card?
Can I put money on my card to increase my available credit whilst on holiday?
Will I get charged interest if I withdraw cash from a cash machine?
Is there a daily cash withdrawal limit?
Where can I apply for the Clarity Rewards Credit Card?
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.
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 upto £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.
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Where can I apply for the Clarity Rewards Credit Card?
Eligible customers can apply for the Clarity Rewards Card by visiting one of our branches.
Apply
You can apply online - our Halifax Clarity Credit Card application form will open in a new window, and take about five minutes to complete. You'll need to have your credit card details to hand if you want to transfer balances online.
In most circumstances you'll get an instant decision.
If you would rather apply over the telephone, call us on 0800 028 3258 between 8am - 10pm Mon - Fri & 8am - 7pm Sat - Sun
