Paid advertisement
Smart Money People Logo
Newsletter
Go to business site
Share this page
Link copied

Halifax: Clarity credit card reviews

View other Halifax products
3.67
Based on 272 reviews, last reviewed 20th Aug 2026
33% decrease in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
65%
See only 4 star reviews
17%
See only 3 star reviews
4%
See only 2 star reviews
2%
See only 1 star reviews
11%

Latest highest rating:

5

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... Read more Reviewed on: 20th August 2026
Beast's avatar
Beast

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
Darryl A's avatar
Darryl A
Read all reviews Write a review

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.

Review Halifax: Clarity credit card now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Halifax Clarity credit card reviews (272)

Great for using abroad

5
Great card for using whilst on holiday - excellent rate and no additional charges. Reviewed on: 27th April 2020
Brenda M's avatar
Brenda M

GREAT CARD

5
FANTASTIC FOR TRAVEL AND GETTING LOCAL CURRENCY AT GOOD RATES Reviewed on: 6th February 2020
SYLVIA GILL's avatar
SYLVIA GILL

Great service and value

5
Using Clarity CC abroad resulted in no extra charges and excellent Exchange Rates Reviewed on: 28th January 2020
David Brewster's avatar
David Brewster

Falls from grace

2
This was a great credit card for spending money abroad - affordable and simple to use. However they have recently changed the rules so that paying the money back early - for example to reduce the interest charged on cash withdrawals - does not reduce the direct debit charge for the next month. After several instances where my credit card was significantly in the positive I have been left with no choice but to cancel the direct debit and so am now avoiding using it where possible Reviewed on: 25th January 2020
cm95's avatar
cm95

Too unreliable

1
Several years ago we got this for use abroad and it has been more trouble than it’s worth. Even if we pre advise of a trip (which they say we don’t need to do) any payment is invariably blocked. Twice they’ve assumed fraud and cancelled the card (and will only send a replacement to your home address within a week) so we couldn’t use it again for the rest of the trip. We end up using our UK card which costs far more than using a card that is less competitive than Clarity but does actually work when abroad. So now we just take lots of cash (at online rates) and whatever is left is then a bonus when we go away next time! Reviewed on: 12th January 2020
Liv's avatar
Liv

Great for overseas spending

4
No charges or fees for overseas so I have this specifically for using abroad. Interest rates aren't great but a good tool to have for holidays. Reviewed on: 29th December 2019
girlupnorth's avatar
girlupnorth

Great card

5
Use this all the time but only when abroad. Great rate of exchange given. Reviewed on: 24th December 2019
James Robb's avatar
James Robb

Blocked card day 1 of my holiday abroad

1
Day 1 of my holiday they blocked my card. I called them and their automatic system of entering my DOB was telling me my DOB was incorrect (it wasn't) I was then asked some ridiculous security questions such as what year did I open the account (i wasnt 100% of the year as I've had for around 3 or 4 years, so i 'failed' the security questions despite knowing all the normal questions... and then they promptly blocked my card and said i could only get this unlocked my going into a branch in england. Well I couldn't possibly do that as I was in USA for the next 3 weeks and now with no credit card! I had set up the voice recognition and told them I knew all of the normal security questions and pleaded with them to go through the security process again but they couldn't care less and left me stranded abroad without my card. I closed the account down there and then. They knew it was me as they let me shut the account down funnily enough! Ridiculous!! Do NOT rely on this card abroad as I've had numerous nightmares with it since they stopped asking you to tell them when you're going abroad. I'm submitting a complaint. Unreliable and ridiculous. Reviewed on: 17th December 2019
Nat L's avatar
Nat L

Great for overseas spending

5
Great card for spending overseas. No charges or interest if paid off in full. Reviewed on: 9th December 2019
childfreeldn's avatar
childfreeldn

Easy to bank with

5
I would recommend Halifax as it is very easy to manage my money with them, the clarity credit card in particular is very useful and there are no fees for using it abroad. Reviewed on: 8th December 2019
Lan Vong's avatar
Lan Vong

Do you have a different Halifax product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Want to see more from Halifax?

  • Online Saver

    from Halifax 4.49 from 35 reviews
    Halifax

  • Reward current account

    from Halifax 4.44 from 205 reviews
    Halifax

  • Everyday spending credit cards

    from Halifax 4.43 from 76 reviews
    Halifax
    View all products

    Join Smart Money People

    Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

    Create an account
    Man on beach

    News, guides and insight from our team

    View resource hub
    UK money news stories - 24 July 2024
    UK money news stories - 24 July 2024
    24th July 2024
    Posted in Money Talks by Errolyn Smith
    Your Money, Your Voice: Have your say
    Your Money, Your Voice: Have your say
    24th July 2024
    Posted in Our insights by Errolyn Smith
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    24th July 2024
    Posted in Our insights by Darryl Barkwill
    Consumer credit awards winners 2024
    Consumer credit awards winners 2024
    11th July 2024
    Posted in Awards by Darryl Barkwill