Halifax | Clarity credit card

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

3.1 out of 5 from 221 reviews

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

Clarity in name and nature

10:06 19-11-2017

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I got one of these this year to use abroad and it was brilliant. The exchange rate it fair, I got a £20 cashback for using it by a certain date and that was added promptly. Brill.

Hazy Days

Very good credit card

07:27 16-11-2017

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Good interest rate and excellent customer service.

Derek Wickham

Fabulous for Holidays

20:36 15-11-2017

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I like to use the Clarity Credit Card for foreign expenditure. This card has no fees on spending abroad as long as you pay your statement in full by the date shown. The rate you'll get is set by Mastercard – it tends to be higher than Visa's and Amex's rate.

Lesley Walsh

Clarity Card for Abroad

12:43 13-11-2017

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This card is great for travelling - We got it initially for travelling to America but have used it all over Europe/Ireland or any time we travel. The genius behind it is that it doesn't cost a penny to use the card abroad - you can spend without charges and lift money out of an ATM anywhere. The only downside is the high APR so what we do is save the money up before we travel and then pay it off as soon as we get back.

Claire Mayne

Excellent card for shopping abroad

21:28 11-11-2017

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I like halifax, they are pretty good at in store service, and they have pretty good telephone service too. But, it is their products and online usage which makes them a cut above other banks. I used this card in the states and in Switzerland, no problems, no fees, just used and charged the exchange rate of the day!


Great for spending abroad

09:32 11-11-2017

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No charges for spending abroad. No rewards though

Nathan Trivett

Good for travel

13:50 08-11-2017

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I use this card all the time but particularly good when travelling overseas and paying on card, as there are no fees for this. Just a shame there are charges on withdrawals.

C Crews

The travel man go to!

10:03 08-11-2017

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Never had a problem. I took this card out when my current account was with Halifax. The main reason was for the free cash withdrawals abroad. This will have saved me hundreds over the years. I moved my current account away from Halifax but I still receive all of the same benefits with the card.

Matthew Jones

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 there 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 balance transfers
  • 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 number of factors including personal circumstance and the applicant’s previous experience with credit. With this card you can transfer a balance of at least £100 from other credit or store cards at no extra cost. There is also 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.