Write a review

Halifax: Clarity Credit Card reviews

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

View other Halifax products

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

Read all reviews See your review

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.

Already have the Clarity credit card? Please write your own review and share your experiences with Smart Money People, the UK's leading financial services review site.

Together, we can make financial services work better for everyone - but we need your help!

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

Incredible service, great card

0% fees when travelling, and Halifax has always been good to me. Reviewed on: 24th February 2021

Excellent Card for Travel

We have used our clarity Card Safe and Secure for many happy holidays... it gives us the best currency exchange rates and is so convenient... an essential travel companion Reviewed on: 18th September 2020

No issues

Have used in UK and abroad, had no issues. Reviewed on: 12th July 2020

Good overseas spending card

I got a Halifax Clarity Card to use on holiday abroad, so I wouldn’t be charged foreign exchange fees. I was really pleased to find that the exchange rate is actually better than I could get for changing my cash in advance, so avoids having to change too much cash and then lose out if I have any left. Reviewed on: 10th July 2020

GREAT CARD

Very Good Exchange rate for withdrawing Cash Abroad Reviewed on: 10th July 2020

Excellent card with low fees

Never had a problem with halifax! Excellent credit card, helped me around the world and still cheap at the end of the month! Reviewed on: 6th July 2020

CREDIT CARD CUSTOMER SERVICE APPALLING

THE CREDIT CARD IN ITSELF IS GOOD FOR USE ABROAD. BUT if you get a problem customer service is ignorant. I had over £1000 in credit in my account which i had written to them in writing several times to return my money, four months later no response, so I wrote a formal complaint suddenly my money was back in my account but still no letter of apology nothing. Also had my card blocked so many times, I write due to disability you get no response, you ask for reasonable adjustment and nothing is done so very discriminatory as a whole as no facilities for people who can't use phones due to disability, the bank staff have no answer either or do anything about it. My Father now is trying to get his money back under section 75 being sold faulty goods, two and a half months later still not even acknowledgment of the letter so now going to formal complaint and ombudsman if he has too. Reviewed on: 17th June 2020

Great credit card and great customer service!

I have always had great customer service from Halifax, I really like the Clarity credit card for travel and any other service I've ever had from them has been great. Reviewed on: 2nd June 2020

Halifax covid 19 card "holiday"

My elderly Parents recieved an email asking if they wish to take a payment holiday because of the awful situation and they didn't know whether we between the family would get out and be able to pay their clarity card invoices as they would be on total lockdown. The last 2 months we have managed to get out and pay them in full yet Halifax have still charged interest even though they should not because they agreed to take a payment holiday. They payment holiday is being used by Halifax as an excuse to charge vulnerable people and of course charge interest which has not been accrued. Making money in such a way while making out it is somehow helping you is totally despicable and as such we will be getting legal advice. You should be ashamed Reviewed on: 26th May 2020

A great little credit card (especially abroad)

I love my Halifax Clarity credit card in the UK but it really comes into its own when I'm abroad. I can pay for things and withdraw money without worrying about hidden charges. I'm charged the same as I would be in Blighty! Happy days! Reviewed on: 10th May 2020

Do you have a different Halifax product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Select Credit Card
from Nationwide 4.82 from 8 reviews
All in One Credit Card
from Halifax 3.98 from 71 reviews
Black Diamond Visa
from Vanquis 4.82 from 8 reviews

There's still more to see!

Halifax has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub