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Halifax Reward Credit Card

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  • noh
    noh Posts: 5,817 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 16 November 2014 at 2:18PM
    As above. There is only one card it is called the Clarity card the terms and conditions of which can be read from the link below.
    It can be applied for online or in branch.
    If you qualify for the £5 reward you get paid it.

    The t+c's are here http://www.halifax.co.uk/creditcards/clarity-card/terms/

    The relevant section is 11
  • Thankyou all. Without MSE I would have not found it.
  • Jo4
    Jo4 Posts: 6,839 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    edited 16 November 2014 at 2:50PM
    Sorry op for asking questions on your thread but I didn't see any point starting a second thread about the same card.

    While reading the link for the T & Cs I noticed

    "
    11 REWARD PAYMENT 11.1 If you meet the requirements set out in condition 11.2, then for any statement period in which you:- (a) make at least £300 of Purchases (once any Purchases refunded in that period have beend deducted);
    (b) stay within your credit limit; and
    (c) make your minimum monthly payment;
    you will qualify for a £5 credit to your account in the following month. The credit will not be treated as a payment to your account under these conditions.
    11.2 To be eligible for the reward set out in condition 11.1, you must, at the time you enter into this agreement:- (a) hold a Halifax current account and pay in £1,000 or more each month;
    (b) use our switching service to move your current account to a Halifax Current Account and agree to pay in £1,000 or more each month;
    (c) open or hold a Halifax Ultimate Reward Current Account."



    Does this mean that you will not receive the £5 a month unless you have a Halifax Ultimate Reward current account (11.2 c) and therefore you will not receive the £5 unless you are paying £15 a month for that account?

    Am I correct that you do not get the £5 when you are a Halifax Reward current account holder according to 11.2 c or that you do get the £5 while being a Halifax Reward current account holder and pay in £1,000 or more each month according to 11.2 a?
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Jo4 wrote: »
    Does this mean that you will not receive the £5 a month unless you have a Halifax Ultimate Reward current account (11.2 c) and is therefore no use unless you are paying £15 a month for that account?
    It's an inferred "or".

    You can comply with either (a) OR (b) OR (c) to secure the Reward payment.
  • SnowTiger wrote: »
    They are the same thing.

    However to get the reward, punters have to have a Halifax (Ultimate) Rewards bank account and pay at least £1,000 a month in to it.
    Thank you. Trust Halifax to muddy the waters :(
    Are you for real? - Glass Half Empty??
    :coffee:
  • I phoned Halifax the other day about this, they said to be eligible for the £5 reward you just have to spend £300 in a statement month. You also have to phone up and ask them to "activate" this reward on your card, you only have to do that once.

    I only did it last week, so I guess I'll find out on my next statement. I only hold a rewards account.
    Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.

    ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.
  • Seems like a gem of a card, much better option for me then capital one cashback card.
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