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Halifax: Clarity credit card reviews

Name: Clarity credit card
Rating: 3.60 (271 reviews)

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3.60

Based on 271 reviews, last reviewed 15th Jun 2026

No new 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

65%

17%

11%

Latest highest rating:

5

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

Latest lowest rating:

1

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 ... Read more Reviewed on: 15th June 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 (271)

Great credit card and great customer service!

I have always had great customer service from Halifax, I really like the Clarity credit card for travel and any other service I've ever had from them has been great. Reviewed on: 2nd June 2020

Halifax covid 19 card "holiday"

My elderly Parents recieved an email asking if they wish to take a payment holiday because of the awful situation and they didn't know whether we between the family would get out and be able to pay their clarity card invoices as they would be on total lockdown. The last 2 months we have managed to get out and pay them in full yet Halifax have still charged interest even though they should not because they agreed to take a payment holiday. They payment holiday is being used by Halifax as an excuse to charge vulnerable people and of course charge interest which has not been accrued. Making money in such a way while making out it is somehow helping you is totally despicable and as such we will be getting legal advice. You should be ashamed Reviewed on: 26th May 2020

Good for spending abroad, bad for paying off early

This is a great credit card for spending while abroad at a really good rate. I was a big fan but then they changed the system for paying off the debt early (it would no longer reduce the direct debit charge, and I kept ending up in credit) and if you wanted to stop paying twice you had to cancel and restart the direct debit each time which is just a massive hassle. This wouldn't be such a problem if it weren't for the fact that ATM withdrawals start charging interest straight away, insentivising you to pay that debt back as soon as possible. Reviewed on: 16th May 2020

A great little credit card (especially abroad)

I love my Halifax Clarity credit card in the UK but it really comes into its own when I'm abroad. I can pay for things and withdraw money without worrying about hidden charges. I'm charged the same as I would be in Blighty! Happy days! Reviewed on: 10th May 2020

Foreign Holiday card

Clarity card is great for using abroad as you get the exchange rate on the day ad no charge for using it. Reviewed on: 30th April 2020

Great Card for abroad

This is a great card to use when travelling abroad, there is no fee when used as a credit card, never go anwhere without it Reviewed on: 28th April 2020

clarity

never ever a problem works every time Reviewed on: 28th April 2020

Great credit card for travelling

The Clarity Credit card has been incredibly useful while going overseas. It converts one currency into GBP so I'm not charged any fees, which has made my life a lot easier while travelling. Reviewed on: 27th April 2020

useful product

this is a unique credit card for going away. very good product. Reviewed on: 27th April 2020

Great for using abroad

Great card for using whilst on holiday - excellent rate and no additional charges. Reviewed on: 27th April 2020

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