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Halifax: Clarity credit card reviews

Name: Clarity credit card
Rating: 4.12 (268 reviews)

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4.12

Based on 268 reviews, last reviewed 2nd May 2026

50% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

66%

18%

10%

Latest highest rating:

5

Brilliant . Great communication throughout a pleasure to deal with. Always helpful Reviewed on: 24th March 2026

Latest lowest rating:

1

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

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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 (268)

Excellent service

Very good customer service in terms of call centres and postal admin. Reviewed on: 15th November 2016

Not sure

I ordered one of these for a recent holiday to Italy. Very annoyed to find it didn't work in any shops, restaurants etc but accepted every time at an ATM. I then discovered interest is charged immediately for ATM withdrawals but not purchases. I wonder..................... Reviewed on: 30th October 2016

great value credit card for overseas use

Not a huge fan of the big banks but this card incurs no fees when used abroad Reviewed on: 31st August 2016

Everyday credit card

Useful to use to purchase everyday items with added bonus of being a very good card for using abroad when required Reviewed on: 30th August 2016

Just a warning

I used a Clarity card for my trips abroad twice a year and was very impressed with the exchange rates with no conversion charges. However, I decided to close this account (and cheque account) and instead opted for a card that would give me some Cashback. AFter an unsatisfactory experience (since resolved) I decided to go back to Halifax Clarity and was astounded that I was declined. This is despite paying off any balance in full every time by direct debit and can only assume that the "computer" that dealt with my online application didn't like the fact that I had also applied and been accepted for a rival card! Reviewed on: 12th August 2016

Brilliant Credit Card For Spending Abroad

I've used the Halifax Clarity Credit Card twice now whilst abroad. It has a great exchange rate - better than exchanging into cash. I would highly recommend. Reviewed on: 29th June 2016

Great for Travelling

Hassle free and the best exchange rates Reviewed on: 29th June 2016

Fantastic for use abroad

I use this now whenever I travel. You get the best exchange rates - better than any bureau de change - and no fees. Amazing! Reviewed on: 26th June 2016

Great card for overseas

Perfect card for spending on holiday Reviewed on: 23rd June 2016

the best card to use abroad

gives the best rate on the day of your transaction Reviewed on: 20th June 2016

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