Halifax Clarity Credit Card.

    Ready for your next overseas holiday? Travel abroad with one simple rate & no usage fees.

    In the corner shop? Exploring the four corners of the world? Wherever you are there are no fees for using your Clarity Credit Card.

    • Freedom to use anywhere in the world, with no fee (interest charges apply)
    • No extra charges when you withdraw cash in the UK and abroad (interest charges apply and some ATM providers may charge a fee)
    • No annual fee

    Important information about your credit card

    If your application is successful:

    • You’ll get a credit limit based on your current status.
    • You can transfer balances to us (minimum £100) from most credit cards and some store cards, excluding Halifax products.

    What we ask you to do:

    • You must pay at least the minimum payment on time and stay within your credit limit, to keep any applicable rates.

    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.
    Halifax Clarity Credit Card

    No delays

    We should come back with a decision within 5 minutes.

    Apply now

    About your card

    Home or away, here's what your Halifax Credit Card gives you.

    • Cover against online fraud - your transactions are protected by Halifax Secure when you shop online with participating retailers.
    • Easy to manage your money - using Online Banking and our Mobile Banking app.
    • Stay on top of your finances - using Faster Payments you can pay your credit card within a matter of hours.
    • Accepted wherever you see the Mastercard® sign at over 43 million locations worldwide.

    What is a representative example?

    The representative example is an illustration of the rate most customers will get. If a credit card says it has a particular ‘representative APR’, then at least 51% of the people who applied and were accepted will get that rate. Others may get a different rate based on their individual circumstances.

    We use a borrowing amount of £1,200 to work out our representative example. Please note that it’s just that, an example. So the figure isn’t the credit limit you will be receiving – it just helps show how things work.

    The purchase rate is the rate of interest you'll be charged on the things you buy 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). We give you this figure to help you make an easy and fair comparison between different credit cards.


    How do we decide the APR you get?

    We look at all applications one by one. So the APR you get depends on the details given on your application and we get 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 25.9% APR (variable).


    We should be able to give you a decision within 5 minutes.

    Apply now


    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 to 25.9% APR, depending on individual circumstances.
    Interest rates   Introductory promotional rates Standard monthly rate (variable) simple % Standard annual effective rate (variable) %
    Purchases Not available. 1.456% or 1.941% 18.95% or 25.95%
    Cash transactions Not available. 1.456% or 1.941% 18.95% or 25.95%
    Balance transfers Not applicable. 1.456% or 1.941% 18.95% or 25.95%
    Money transfers
    Not applicable. 1.456% or 1.941% 18.95% or 25.95%

    Default charges - the simple annual rate is 17.472% 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.
    • No interest-free period on 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 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.
    • Purchases: We do not charge interest on purchases made during your latest statement period if you pay off your full balance (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.
    • 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 clear any overdue amounts before we apply them to your latest minimum payment.

    We will reduce the amount you owe in the following order:

    • any overdue amounts from previous statements; then
    • the remaining balance on your statement; then
    • any recent transactions not yet shown on your statement.

    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

    The minimum payment we ask for is charged on a monthly basis and will be the higher of £5 or the total of:

    • any interest charged; plus
    • any default charges payable; plus
    • 1% of the total balance you owe (including interest and charges), as shown in your statement.

    If you owe less than £5, you must pay the full amount you owe.

    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 set this limit and tell you what it is in writing soon after opening your account. 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 transfer fee
    3% of the amount of each balance transfer you make within the first 90 days of opening your account.
    Promotional money transfer fee 3% of transfer (min £3).

    Non-promotional balance transfer fee 0% of transfer.

    Non-promotional money transfer fee 0% of transfer.

    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
    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 7am - 11pm, 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 years 2 months

    The above example assumes the following:

    • No introductory promotional rates for purchases.
    • The transaction takes place on 1st January and you make no further transactions.
    • You always make the payment each month on the 15th.
    • The effective rate remains the same.
    • Your statement is produced on the 1st of each month.
    • The minimum payment is made up of 1% of the total balance you owe as shown in your statement (including interest and charges).

    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.

    Apply now


    Cashback offer conditions

    • Cashback offer valid on accounts opened between 30th April 2018 and 31st August 2018.
    • The £20 cashback will only apply on the first transaction made in a foreign currency by 30th September 2018.
    • The £20 cashback will be applied to your credit card retail balance within 90 days of the transaction being made and will appear on your statement as ‘Foreign purchase cashback’.
    • The cashback offer is only valid on one transaction per customer.
    • The cashback will not affect the minimum payment due. Your minimum payment should be paid on time each month.

    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?

    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 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:

    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.

    Apply now



    Making sure you get a fair deal

    We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board

    To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.


    Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

    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.