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Halifax: Clarity Credit Card reviews

Name: Clarity Credit Card
Rating: 4.29 (258 reviews)

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4.16

Based on 258 reviews, last reviewed 2nd Mar 2025

50% decrease in 5 star reviews

in the past 90 days

100% decrease in 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

Card blocked whilst abroad. Card blocked whilst abroad. After 3 days not resolved. Debacle. Many times unsuccessful calls and no way to use ebanking app to help. Reviewed on: 20th September 2024

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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 (258)

Review of the Halifax, Clarity Credit Card:

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

Try 1 hour waiting time

Your account would be robbed of all moneys if you were trying to report a transaction by phone the waiting time is shocking, and when I finally got through to lodge a complaint it wasn't worth waiting for the service provider to log details, I have been with this provider for years but I will be changing companies as soon as I can. (Halifax Mastercard wake up and smell the coffee) Reviewed on: 2nd September 2022

NEW SECURITY PROCEDURES A NIGHTMARE!

Hi, I've been booking a holiday this week and had nothing but trouble with my Halifax Clarity Card being declined. I've been booking flights, car hire, travel insurance etc. I had to ring Halifax customer services twice because payments weren't going through online. I was told they were having technical issues. Their security authorisation is ill-conceived and slow. If your card is declined for a large purchase, they send a text 5 minutes afterward asking if it was you making the purchase. After responding 'yes', it takes another 5 mins to receive a text saying try again in another 10 mins! Nightmare, cannot recommend this card at all. Reviewed on: 26th August 2022

Best for foreign currency transfers and withdrawaling cash abroad

Great card for paying in a different currency and withdrawing cash abroad all with no charge! Reviewed on: 13th August 2022

Poor customer service

Advertise the product as a travel card. Been on holiday spending on the usual meals etc for 3 days then go to use it to hire a car (not unusual on holiday) and card is blocked. No notification or communication from Halifax. Ring up to investigate to be put through to fraud. Been waiting over an hour to get through. Why advertise as a travel card when they block it after a small number of transactions. Goodness knows how much the phone call has cost. Avoid if you want to enjoy your holiday Reviewed on: 20th July 2022

Always use clarity credit card abroad

The only card I take abroad for the lack of transaction fee and good value for non-sterling transactions Reviewed on: 18th July 2022

Mortgage, Personal and Business Accounts

I have decided to move my Mortgage, Personal and Business Accounts from Halifax after 27 years as I will not do business with a company that promotes an ideology that pretends to be inclusive, but is designed to coerce its staff and customers. The promotion of displaying pronouns was illiberal enough, but the Halifax Twitter feed insulting customers and telling them to quit the bank demonstrates that Halifax's judgement cannot be trusted. Reviewed on: 29th June 2022

Fantastic customer service

Halifax provided fantastic customer services after I was a victim of online fraud Reviewed on: 11th March 2022

Well done

I have to say Halifax are a great company for all my banking but I particularly like the Clarity credit card. Great card for all my travel needs. Thanks Reviewed on: 2nd March 2022

Best overseas credit card

I use it all the time to pay for meals and other purchases when I'm abroad. The fees are minimal. Reviewed on: 19th February 2022

Easy to use credit card

Easy to use credit card with no extra overseas charges. Reviewed on: 30th January 2022

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