Halifax | Clarity credit card

342 reviews

18.9% Representative

Purchase rate: 18.95%

Representative example:

Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so when borrowing £1,200 the Representative APR will be 18.9% (variable).

Halifax | Clarity credit card customer reviews.

342 reviews

2.8 out of 5 stars

great card for travel
18:36 17-12-2018
ImageSmart Money People

good rates & low fees for foreign expenditure

Wendy Astill

Travel card
20:57 14-11-2018
ImageSmart Money People

great for travel with no charges on spending - but don't withdraw on it.

Christine Schneider

Customer service
21:11 09-11-2018
ImageSmart Money People

Great friendly customer service. Polite and easy to deal with

Aasia Anwari

Great card with benefits
07:28 09-11-2018
ImageSmart Money People


Derek Wickham

Best for spending abroad
16:13 08-11-2018
ImageSmart Money People

I always use this abroad as you don't get charged and get a better exchange rate


Great for abroad
12:51 08-11-2018
ImageSmart Money People

We always take it with us to the USA. Saves exchanging money, then worrying I will lose it. Never had any issues, with not being able to ise it!

Lindsey Morris

Great for travellers
12:20 06-11-2018
ImageSmart Money People

A good card for those spending while on holiday. Provides good rates and without fees or commission charges.


High interest low customer skills
10:52 11-08-2018
ImageSmart Money People

I've ordered a replacement card 5 times but alas it never shows.. The advisers offered zero help just the same repetitive script rattled off with little care an even less resolve.


Perfect for travelling abroad
15:33 10-08-2018
ImageSmart Money People

Easy to open and great rates abroad - what is there not to like? The app is good too.


Best card around
10:01 25-07-2018
ImageSmart Money People

Have had no problems with this card, good for taking abroad and their security system seems to be 'on the ball'

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Our review of Halifax | Clarity credit card

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).

Written by: Alex


  • 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


  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

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 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.

Company information

Registration number: SC327000



Lloyds Banking Group, 7th floor, 155 Bishopsgate, London, EC2M 3UB

FCA registration

Reference No: 169628

Trading names: Bank of Scotland PLC, AA, Halifax, Hitachi, Lloyds Bank

Place of business: The Mound, Edinburgh EH1 1YZ

Data protection registration

Registration No: Z7828948

Data controller: Bank Of Scotland PLC

Address: The Mound, Edinburgh EH1 1YZ

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