Are you looking for the best travel credit card? You are in the right place, as Halifax Bank has a highly competitive offer which comes with numerous perks.
A travel experience can be greatly enhanced by earning and redeeming numerous rewards. For some people, a great experience could mean that they simply save money on charges when they are abroad.
If you are a frequent traveler or wish to lower your trips abroad, keep reading to find a simple solution for your worries. Let’s check the Halifax Clarity Credit Card!
Fees and Interest
The Halifax Clarity credit card is a great option for travel use. It charges no fees for foreign transactions made abroad. However, you should not use it for non-sterling cash advances because these start accruing interest immediately.
The APR for cash withdrawals and purchases is the same; a variable APR of 19.9%. It is essential to pay back all withdrawals as soon as possible since there is no interest-free period to benefit from.
Furthermore, there are no balance transfer fees and no annual fee. While the card might not be ideal for everyday use back in the UK, it’s great for international trips.
Many cards charge approximately 3% interest on foreign transactions, so the Halifax Clarity credit card allows for savings on these charges.
Since there is no annual fee, this means that you can simply apply for the card and use it whenever you go on holiday or abroad. The bank does not penalize users when they use the card only scarcely.
Thus, this card would work best if you also have another daily credit card to maximize the savings – such as a cashback or rewards card to be used when you are in the UK, and Halifax Clarity credit card to be used abroad.
How to Apply
If you want to apply for a Halifax Bank Travel credit card, you need to make sure you are eligible. Only UK residents who are the age of majority can apply for this card.
Furthermore, you can apply online for this card, and the entire process takes only a few minutes.
Halifax advertises a representative APR of 19.9%. However, only approximately 51% of the applicants will receive this, while the rest of them will get a higher interest rate based on personal circumstances, as highlighted by the application.
If you are unsure whether you qualify or not, you can use the Halifax eligibility checker. This guides whether you will be approved for the credit card or not. You can access the Halifax website to apply.
The application requires personal and financial information, such as employment details, annual income, and address history. It takes approximately 5 minutes to complete the application if all details are on hand.
If you would like to learn more about another great option, the Citi Double Cash Credit Card, take a look here.
Bank Contact Details
Customers can contact Halifax via mail at PO Box 548, Leeds, LS1 1WU.
You can also contact their head office at 03457203040.
They can answer any queries related to a wide array of categories, including credit card inquiries, personal loans, bank accounts, and mortgages, among others.
Features and Benefits
The outstanding feature of the Halifax Clarity credit card is surely the lack of the foreign transaction fee – which is quite uncommon among credit cards.
Whether you travel abroad often or just once per year, this card is a great asset, since it does not charge any annual fees either.
This credit card is extremely appealing as a second card to be used internationally.
In other words, the Halifax Clarity credit card allows you to pay in the local currency when you go abroad.
You will get a better exchange rate if your card makes the conversion. If you let the shop or the restaurant make the conversion for you, you will surely be charged more.
Summary
If you need a travel card, the Halifax Clarity credit card is extremely appealing.
It has a low-cost structure for paying for goods in other currencies, so you can save lots of money on all of your purchases abroad. Since there is no annual fee, it is suitable for both frequent and infrequent travelers.
Note: Applying for and using credit carry inherent risks. For further details, please refer to the bank’s terms and conditions page.
