Halifax Clarity Credit Card

Pay_me

Reading another thread I just found out that the Halifax Clarity Credit Card offers a £5 reward each month if you spend £300 per statement month.

I have read the terms and conditions and got a couple of questions I hope someone can answer.

The terms and conditions state:

11. REWARD PAYMENT

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.

It isn't clear whether these are individual requirements as in meet just one of them is fine or do you need to meet all 3?

I meet (a) as I have a Halifax reward Account paying in £1000 each month.

Do I meet (b) as I used the switching service to open that Reward Account?

Do I need to meet option (c) also? I don't really want an ultimate reward account costing £15 per month when I already have one with another bank costing less. I am hoping I have interpreted the T&Cs incorrectly and hope someone can advise that I don't need an Ultimate Reward Account.

Thanks

PeacefulWaters

The word "or" would help.

Meeting any one of those three conditions is enough.

Pay_me

Thanks, That is what I thought but reading it I started to doubt myself.