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Halifax: Clarity credit card reviews

Name: Clarity credit card
Rating: 4.27 (261 reviews)

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4.14

Based on 261 reviews, last reviewed 20th Apr 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

65%

18%

10%

Latest highest rating:

4

the credit card is easy to use the credit card is easy to use, but more rewards would be better Reviewed on: 20th April 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

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.

Halifax Clarity credit card reviews (261)

Review of the Halifax, Clarity credit card:

When a perfect customer is left stung

Banked with Halifax for 22 years. Never had any issues. Due to taking a payment holiday on my personal loan my credit limit was reduced from to basically zero. After enquiring why ad I had never been over the limit or paid late. Always cleared my balance. I was told that it was due to my payment holiday on the loan. As a customer no due diligence or risk analysis was carried out as neither the loan or credit card are affected. But now due to a decrease in my limit my overall use of credit is hitting 90% from 25%. Its ridiculous I don't know how banks justify that. Its not helpful banking its a joke Reviewed on: 9th March 2023

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

Card that does not let you down

Useful when travelling abroad as the exchange rate applied appears fair with no hidden extras. Reviewed on: 18th January 2022

Great clarity card

Been using this card abroad for many years, always a comforting backup and easy to use in all shops, bars, and restaurants. Knowing the low/no fees is superb. Reviewed on: 13th January 2022

Great card for using abroad

I have had this card for over 12 years, I take it everywhere with me as it has free transactions abroad. Plus when I have had to make a claim after there was an issue with a cancelled holiday during the pandemic I was refunded by Halifax straight away Reviewed on: 12th January 2022

Great credit card

Love the Halifax Clarity Credit card; it's great for overseas spending as it offers a competitive exchange rate. I also love that I can track my spend straight away on the Halifax app and check pending transactions! Reviewed on: 12th January 2022

Great card for foreign use

Had this card for years as it's perfect for using abroad and at home. Never had any issues with customer service from Halifax. Reviewed on: 12th January 2022

Great for travelling abroad

Great for travelling abroad. Very friendly customer service and good app. Reviewed on: 6th January 2022

Wouldn't leave the UK without It!

Take all your travel cards and bin them... clarity isthe way to go! Reviewed on: 28th July 2021

Halifax lowered my credit limit

Halifax lowered customer credit limits for no valid reason. the Institution must improve the conditions of its clients or clients must be rewarded since without clients there are no institutions. Halifax wants disgruntled customers to be forced to spend their time making phone calls to complain or asked to write down their complaints, which in my opinion never produces a positive outcome for customers. Whoever applies this strategy of deteriorating the conditions of customers clearly shows that he has no idea what customer service is all about. The clients are what keep the institutions running without the clients there would be no institution. Reviewed on: 24th July 2021

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