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Halifax: Clarity credit card reviews

Name: Clarity credit card
Rating: 3.72 (275 reviews)

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3.72

Based on 275 reviews, last reviewed 13th Oct 2026

200% increase in 5 star reviews

in the past 90 days

75% decrease in 1 star reviews

in the past 90 days

65%

17%

11%

Latest highest rating:

5

Highly recommend for payments abroad So easy to use, balance available through app, easy payment through app, from baking app or line. Able to have more than one card Reviewed on: 13th October 2026

Latest lowest rating:

1

poor exchange rates and now part of Lloyds poor exchange rates and now part of Lloyds Reviewed on: 12th October 2026

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About this product

Halifax Clarity credit card offers travel related benefits.

If you want to apply for a Halifax Clarity credit card, you can use the online tool to see your interest rate and estimated credit limit. Your credit score is protected by finding out if you’re likely to be approved before you apply.

Halifax Clarity credit card reviews help you find out what it’s really like to be a customer. If you’ve used Halifax before, you can also leave a review and share your experience.

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Halifax Clarity credit card reviews (275)

Highly recommend for payments abroad

So easy to use, balance available through app, easy payment through app, from baking app or line. Able to have more than one card Reviewed on: 13th October 2026

Best card to use abroad

Easy to use no conversion fees. The best card to use when going abroad Reviewed on: 12th October 2026

poor exchange rates and now part of Lloyds

poor exchange rates and now part of Lloyds Reviewed on: 12th October 2026

Good experience with Halifax for many years.

Good experience with Halifax for many years. Credit card v useful abroad, with zero fees. Not happy about takeover by Lloyds Reviewed on: 2nd September 2026

Easy and hassle free

They have switched from MasterCard to Visa and this process has been seamless with excellent communication throughout. Also, they are transitioning to Lloyds which has been a similar experience. All very easy and hassle free. Reviewed on: 20th August 2026

Terrible customer serviice.

Terrible customer serviice. Nearly 4 hours to resolve making a transaction. You are directed to their virtual agent in app BUT its useless - i wasted 2 hours there. Then I called number and they answered in 10 mins and said no hold on my card and asked me to try make payment with them in line. It failed so they said problem with company im trying to pay website. I called them, a multi national and no issues and payment receipts working fine! So called line again and go through in 25 mins. Who told you there is no block? Well you coleague told me. Well there is a block. 40 minutes later - I am told block removed. So after 20 mins I try again and guess what...payment failed. So I call again and they say oh there is something else on card. Now on for a further 35 mins and still on hold! What a mess this customer service is - so frustrating and so far 4 hours of my day wasted just trying to make a transaction on the card! God help you if you need support from these clowns!! Reviewed on: 15th June 2026

Used this card a lot when abroad, no transaction fee...

Used this card a lot when abroad, no transaction fees and excellent exchange rates Reviewed on: 12th June 2026

Credit Card refund issues

I made a booking which I cancelled and wait for the refund which I was due. Because the booking was made on a card which had been superseded by a new one, despite being told it should be fine, I couldn’t get the refund. 24/7 customer service just don’t pay attention and don’t get what I’m asking and getting through on the phone is so hard. There is no call back option. It’s a stressful experience throughout. Reviewed on: 8th June 2026

They switch from Mastercard to visa and it’s caused...

They switch from Mastercard to visa and it’s caused a lot of disruption to or regular payments Reviewed on: 2nd May 2026

Unable to get human help

When a renewed card failed to arrive in the post I did as instructed and called the number given in their email to me. This was hopeless. The voice response system wouldn't recognise anything I said. Neither would it work when keying numbers into my telephone. It insisted that I was entering invalid codes - which I was not as I could see the keys I had pressed displayed on my phone screen. The online chat was no better. I was unable to talk with an actual human being until my sixth attempt. It turned out that their systems required numbers from the new, replacement card - the one I was trying to tell them I had not received. The logic of this defeated me - and them apparently Reviewed on: 16th April 2026

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