The Halifax Clarity credit card

To see your interest rate and estimated credit limit before you apply, check your eligibility.

Check your eligibility

Main card features

  • We don't charge you for using your card abroad, including purchases and cash withdrawals.
  • Mastercard is widely accepted in lots of countries.
  • Purchases at home and overseas over £100 and up to £30,000 are covered by Section 75 of the Consumer Credit Act 1974.

Some charges to be aware of

  • Some cash machine companies may charge you for withdrawing cash.
  • We will charge interest on cash withdrawals, money transfers and balance transfers until you pay it back.
  • Unless you repay your balance in full each month, we'll charge interest for any card purchases.

When you spend money abroad, Mastercard will set the exchange rate on that day.

Clarity credit card

More about our travel credit card


    • Manage your account online.
      Check balances, recent transactions and statements. You can also make payments, request transfers and more.
    • Complete fraud protection.
      Lost your card? Didn't authorise a transaction? Tell us right away. We won't charge you.
    • Repay your way.
      You could do a bank transfer, use your debit card or set up a regular Direct Debit.
    • UK call centres.
      We're here to help with essential services 24 hours a day, 7 days a week. Not all Telephone Banking services are available this often.
    • Contactless.
      Use your card or add it to a compatible mobile device for quick and safe contactless payments.
    • Paper-free monthly statements.
      View them online rather than by post. We'll email you when a new one is ready.
  • They work the same as any other credit card, but with extra benefits when you use it abroad. This could include things like no foreign transaction fees on card purchases when you’re outside the UK. Just be aware that interest charges might apply.

  • You need to check your eligibility to see your interest rate and estimated credit limit.

    This is helpful to you because you'll be able to make a more informed choice. It will show you all of the cards that you can apply for. You'll find out what your interest rates would be.

    The eligibility check lets you see all this information without affecting your credit score.

    If you decide to apply for any of the cards, we'll then run a credit search. 

    Give us a few basic details and let our eligibility checker do the rest. It takes about 5 minutes to complete.

    Check your eligibility

  • You must be:

    • aged 18 or over
    • a UK resident
    • employed with a regular yearly income.

    You must not:

    • be a full-time student
    • have been declined for a Halifax credit card in the last 30 days
    • have any County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) or bankruptcies.
  • To get started, complete an eligibility check.
    You'll see information about all the cards you can apply for. This includes the interest rate and estimated credit limit we would offer you. 

    This check takes about 5 minutes to complete. It won’t affect your credit score. We’ll just need some basic details from you. This includes your name, address and some information about your income and regular spending.

    Once you’ve picked a card, simply follow the instructions to complete a full application.

    Check your eligibility or read our guide about how to apply for a credit card.

  • Draft credit card account Terms and Conditions (PDF, 989KB)

    Full terms and conditions, specific to you, will be issued once you've been accepted for a credit card.

Start by checking your eligibility

Answer a few questions to:
  • compare all the cards that we're likely to approve you for
  • see your interest rate and estimated credit limit
  • protect your credit score by finding out if we’re likely to approve you before you apply.

Credit is available subject to an assessment of your circumstances.

Check your eligibility

Is a travel card right for you?

A travel card may be helpful if you regularly travel abroad. 

If it's a one-off trip, ask yourself if a credit card is right for you. Although carrying a card is more safe than cash, you may lose track of your spending. Using your debit card could be another option. But, before you decide, make sure you're aware of any foreign transaction costs before you travel.

See our other credit cards:

See our other borrowing options

Other things to consider before you travel

Next day travel money, with no fees

If you have a Halifax current or savings account, you can order travel money to your house or branch. There's no fees for you to pay. Order before 3pm for next day delivery.

Explore our travel hub

Check out our range of products, services and guides in our travel hub, designed to help you plan and make the most of your trip.

Learn about borrowing

Already have a Halifax credit card?

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

Download the statement of responsibilities (PDF 60KB)