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Halifax: Clarity Credit Card reviews

Name: Clarity Credit Card
Rating: 4.27 (259 reviews)

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4.11

Based on 259 reviews, last reviewed 8th Mar 2025

50% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

66%

17%

10%

Latest highest rating:

4

Perfect for Travelling The Halifax Clarity credit card offers zero commission purchases in foreign currencies making it great for travelling. Reviewed on: 2nd March 2025

Latest lowest rating:

1

Don’t bother use someone else’s credit card abroad We got a Clarity credit card to use abroad as there are no transaction fees on foreign purchases. You know why? Because the fraud department puts a bl... Read more Reviewed on: 8th March 2025

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About this product

If you're wondering whether the Halifax Clarity Credit Card is right for you, read our reviews from customers who already have the popular card. Our community reviews can help you to find out about the pros and cons of the Clarity card, which will help you make an informed decision about whether or not you should choose Halifax.

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Halifax Clarity Credit Card reviews (259)

Review of the Halifax, Clarity Credit Card:

Avoid Halifax!!

I have been a loyal customer of Halifax for many years, but my recent experience has left me deeply disappointed and frustrated. If you are unfortunate enough to encounter contactless fraud, do not expect them to help you, even if you have strong, objective evidence that it wasn't you. Their lack of proper investigation, poor customer service, and refusal to acknowledge the possibility of fraud is embarrassing for a bank. I urge anyone considering Halifax to think twice and avoid them at all costs. They sent my new credit card to my old address, sent letters to outdated email addresses which they shouldn't even store due to GDPR, and repeatedly addressed me by the wrong name. Reviewed on: 2nd August 2024

Decade of this card

I've had this card for a decade, it has the best exchange rate and I also use it fir everyday spending paying it off in full every month Reviewed on: 24th May 2024

Worst card I have ever had.

Worst card I have ever had. Only signed up so I could use abroad and not incur currency fees. First card only worked 50% of the time using contactless, tried to change pin both online and in branch and was told it’s temperamental .got. Second card and it was just as bad, didn’t work half the time so cannot risk using abroad so going back to Barclaycsrd Freedom which now offers same service and it 100% reliable Reviewed on: 21st April 2024

Good for foreign transactions.

Very good for foreign transactions when abroad. No additional fees. Reviewed on: 13th April 2024

Fuss free currence

I can use the card abroad without currency charges. It always works. Reviewed on: 12th April 2024

ok in every way do use this bank

ok in every way do use this bank Reviewed on: 18th February 2024

I got this card for using abroad mainly as the charg...

I got this card for using abroad mainly as the charges are less Reviewed on: 15th February 2024

Brilliant for using on holiday abroad.

Brilliant for using on holiday abroad. Excellent rate of conversion. Feel protected by carrying a card versus £ cash. Reviewed on: 13th January 2024

Payments declined, terrible customer service

Travelling in Australia. First decline happened in Singapore after the first purchase went trough ok. Second decline was a £500 purchase using Apple Pay. App chatbot totally useless and recommends a phone call. Spent 45 minutes, most of it on hold, and was told the problem was not with the card but was caused by Apple Pay purchase value limits and it would clear after 24 hours. It didn’t. First transaction the following day worked and the second didn’t. Tried using the physical card and PIN, as suggested by a fraud rep during the call but that didn’t work either. Luckily I have a Monzo card so will be using it for the rest of my holiday. If you were thinking of using a Clarity card for your holiday, think again. I shall be cutting mine up when I get home. Reviewed on: 16th October 2023

Excellent for overseas

As long as you pay it off in full each month there’s no charges, interest and most importantly, no foreign transaction fees. The perfect holiday companion, much better than changing and taking loads of cash abroad! Reviewed on: 24th August 2023

Best travel credit card

Great rates and service. Always easy to administer Reviewed on: 24th August 2023

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