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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)

There when needed!

Applied for this card especially for travelling abroad, due to automatic anti fraud protection the card was blocked multiple times and due to time difference and lack of access to phone on one particular occasion, only access to internet contacted Halifax via twitter to which they replied within minutes and called the hotel I was staying and unblocked the card (very relived), on top of this the card interest rate was fantastic actually happy to pay interest for the great service provided, I believe not many people would say that. Reviewed on: 30th May 2017

Fair interest rates and zero forex fees

Love the Clarity credit card. The interest rate, although higher than you would find for a loan, is much more competitive than other credit cards I have. What I really love though is zero fees on purchases in foreign currencies - this is the standout feature as far as I am concerned. Reviewed on: 30th May 2017

Great for overseas spending.

Has a very good APR this credit card, but it's best used as a way of getting money overseas. No fees for taking money out of an ATM and no fees for using in a shop, and the exchange rate is set by MasterCard, which is a better rate than you're get anywhere. What's not to love, just remember to pay it off. Reviewed on: 30th May 2017

The only Credit Card you need to pack for purchases when going abroad.

I have used this credit card several times in different countries to purchase goods and have always got a good exchange rate and there are no extra fees/charges. Reviewed on: 27th May 2017

Really Useful Card

Having recently retired and, enjoying my retirement, by booking last minute breaks abroad. I can go away knowing that I won't be penalised when using it whilst on holiday, and as it's a master card the exchange rate they get when converting my purchase is very reasonable. Reviewed on: 14th May 2017

Perfect exchange rates all over the world

Amazing product. The amount of charges I would have paid had I used my debit card is eye-watering. Saved me a lot of money and great customer service. Reviewed on: 11th May 2017

Awesome for travelling

best rates for spending abroad - good app also! Reviewed on: 6th May 2017

Excellent for travelling

Ideal exchange rate for overseas use. Good interest free promos in the UK too. Reviewed on: 1st May 2017

Great credit card for overseas spending

Offers a great currency rate when spending overseas and worth having if you pay the balance off in full each month Reviewed on: 30th April 2017

You will not regret it

I travel a fair deal and I use to use various credit cards, but found that I use to get stung by the exchange rate on my return, but the clarity card gives you a peace of mind because it has one simple rate, no usage fee and I have used this every where I go, and because I pay it off as soon has I get back home I have no interest to pay. so I would highly recommend having this card. Reviewed on: 13th April 2017

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