Halifax Clarity Credit Card

There's a reason we're the best online credit card provider. The Clarity card 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!

Representative example:
A purchase rate of
12.95% p.a.
(variable)
With a representative
12.9% APR
(variable)
With an example credit limit of*
£1,200

*Credit limits will vary based on your individual circumstances.

Applying online only takes a few minutes.

Apply online

Apply now for a Halifax Clarity Credit Card

Apply now for the Halifax Clarity Credit Card

Extra benefits

The Halifax Clarity Credit Card also offers the following extras:

  • Cover against online fraud when purchasing on the Internet
  • Card replacement service if you lose it
  • 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

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 12.9% APR (variable)
Rates from 12.9% APR (variable) to 21.9% APR (variable), depending on individual circumstances.
Interest
rates
  Introductory rate Monthly rate Annual rate
Purchases not applicable 1.019% or 1.385% or 1.667% 12.95% or 17.95% or 21.95%
Cash Withdrawals not applicable 1.019% or 1.385% or 1.667% 12.95% or 17.95% or 21.95%
Balance Transfers not applicable 1.019% or 1.385% or 1.667% 12.95% or 17.95% or 21.95%
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 exhange rate Indicative rates can be found at https://www.mastercard.com/global/currencyconversion/index.html
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
These details are correct on 31/12/2012

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
08457 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 0845 600 46 11, or visit http://www.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:

Illustrative example 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? £116.85 £97.50
How much interest will you be charged in the second year? £103.53 £32.66
How long would it take to clear the balance? 17 years 5 months 2 years
The above example assumes the following:

  • The transaction takes place on 1 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.

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.

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 for purchases will be either 12.9% APR (variable), 17.9% APR (variable) or 21.9% APR (variable). Your interest rate for balance transfers will be the same as for purchases.

At least 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?

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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

Whilst we won't charge you a cash advance fee for the Clarity Card, some independent cash machine providers may charge a fee for their service.

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 except for lending where we are licensed by the Office of Fair Trading.
We subscribe to The Lending Code; copies of the Code can be obtained from
 www.lendingstandardsboard.org.uk
Credit facilities available subject to status to UK residents aged 18 or over.

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