Halifax | Clarity credit card

APR: 18.9% Representative
Purchase rate: 18.95%
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Halifax | Clarity credit card customer reviews

2.9 out of 5 from 245 reviews

Travel Right

15:05 11-02-2018

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We always use our clarity Card for ease of use and the best rates for travel cash.

Sylvia Gill


08:39 11-02-2018

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Used for holiday no problem would recommend.

Derek francis

Great travel credit card

17:20 10-02-2018

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Excellent use of credit card for hols.

Louise Walton

Great exchange rate

14:59 10-02-2018

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Perfect for holiday spends! A great exchange rate

Abby Parish

Trying to use the card abroad

15:04 05-02-2018

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In the days when you could phone the bank to tell them you were going abroad, there was never a problem. Now they say, there's no need to tell us. However i did call Halifax to clarify charges on the card, and at the same time told them i was going to India. On arrival in India, i went to the ATM only to have my card rejected. The ATM then also rejected my Halifax debit card. By this time there was a queue behind me to use the ATM. So i went to the currency exchange and changed some British pounds. In the taxi on the way to the hotel, received two texts asking if i had attempted to use my cards. I responded to both texts and received another two thanking me for using the fraud line and that i should wait another ten minutes before attempting to use the cards again. All well and good but the system doesn't work as well as it used to and will now have to pay for all six texts.

Geoffrey Griffiths

Great card to have when travelling

22:43 16-01-2018

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No fees on spending or withdrawing cash when abroad what more could you want.


Cheapest credit card to use abroad

20:40 14-01-2018

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Low rates and no fees on spending or withdrawing cash abroad.

Ali J

Great for going overseas

21:36 13-01-2018

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this card is fantastic for usage overseas. We have used this on several holidays and it always works out the best value

Laura Moore

Great overseas card

17:30 02-12-2017

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Great credit card for using overseas with no charges for spending

Christine Schneider

Simple, No Nonsense C/C

00:12 25-11-2017

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This is the best way to look after your cash whilst abroad. No hidden charges.

Helen Williams

Our review of Halifax | Clarity credit card

Our review by Alex
Written by: Alex
Consumer sentiment


The Halifax Clarity Credit Card not only has a competitive representative APR, but also has less fees than most other credit cards, even those from Halifax. You aren’t charged an annual fee, there’s no fee for balance transfers, you can withdraw cash from ATMs and you can even spend in another country without being charged a fee – all of these perks add to the attractiveness of the Halifax Clarity Credit Card.

As well as the financial benefits of this card, Customers of the Halifax Clarity Credit Card are also granted fraud protection online and can also manage the balance of the credit card using both online and mobile banking. This allows you to keep up to date with payments and avoid the £12 charge for making a late payment or going over your credit limit.

The Halifax Clarity Credit Card has achieved an OPTIOSCORE that is average across the board. However, where they do fall down is their online reviews. Although they are none specific to the Clarity Credit Card, the reviews for Halifax as a whole are quite disappointing. With an overall rating of ‘bad’, customers have been left unhappy with poor customer service, high penalty charges and issues taking too long to be resolved.

Overall verdict: It’s disappointing to see poor reviews from such a big name in banking, but like anything these reviews are only one side of the story. The Halifax Clarity Credit Card comes with decent benefits and is free from fees (unless you miss a payment or go over your limit).


  • No fee for using the card worldwide
  • No annual fee
  • No fee for cash withdrawals
  • Competitive representative APR
  • Withdraw up to £500 cash per day
  • Manage the card with online and mobile banking

Minimum criteria

  • You must be aged 18 or over
  • You need to be a UK resident
  • You must have a regular income
  • No bankruptcy, CCJs or IVA

About Halifax | Clarity credit card

The Halifax Clarity Credit Card has a representative APR of 18.9% with the limit being decided on a number of factors including personal circumstance and the applicant’s previous experience with credit. There is no fee for using the card anywhere in the world, no annual fee and no fee for withdrawing cash using the Halifax Clarity Credit Card, even in other countries.

The application for the Halifax Clarity Credit Card can be completed online and you’ll receive a decision almost instantly. If you wanted to double check your eligibility before applying then they have a free tool on the website that can do this. Do be aware that any rates provided on through using this tool are just a quote and you could get a different rate or credit limit after the actual application.

The Halifax Clarity Credit is accepted in over 33 million locations worldwide. When used for online shopping you will also be covered against fraud. Halifax give their customers control over their Clarity Credit Card with online and mobile banking and through Faster Payments which can be made to the card within only a few hours.