Travel credit cards
A travel credit card (e.g. the Halifax Clarity credit card) could help you manage your spending when you’re abroad, so you don’t need to take extra currency or lots of cards with you. There’s one rate for everything you buy too, and no fees on any overseas spends.
How a travel credit card is useful:
- No foreign transaction fees to worry about.
- Worldwide fee-free cash withdrawals (some ATMs charge a usage fee. Interest will apply from the day cash is taken out).
- Section 75 protection applies to overseas transactions too.
Your representative example
A variable representative of
A variable annual purchase rate of
Based on borrowing
£1,200 over 12 months.
This example is for illustrative purposes and serves as a guide only. Your actual credit limit and rate will vary based on your individual circumstances and may differ from the example shown.
How do travel credit cards work?
A travel credit card works the same as any other credit card, but sometimes they don’t charge a fee (known as foreign transaction fees) on any spending overseas. Other credit cards usually charge these. Interest charges still apply.
How the Halifax Clarity credit card works
- When you pay in local currency, all transactions on the Halifax Clarity credit card are converted automatically using the Mastercard® rate on that day. They'll show as being made in UK pounds wherever in the world your card was used. Even ATM withdrawals count.
Know where you stand
- The Halifax Clarity credit card charges the same interest rate on everything you buy too, so it’s easier to keep track of your spending. One card, one rate. Wherever you go.
Things to look out for
- Only borrow what you can afford to pay back each month.
- Make sure the credit card limit suits your needs.
- Try to pay back what you’ve spent in full each month, so you don’t have to pay interest on what you’ve borrowed.
Planning a trip away?
- You might want to read our handy using your credit card abroad guide before you go
Useful to know
- Mastercard® is accepted widely in lots of countries.
- Always pay in local currency when overseas.
- Some ATMs might charge a fee for cash withdrawals.
- Interest charges apply to cash you take out from the day it’s withdrawn.
- Overseas transactions over £100 but not more than £30,000 are covered by Section 75.
Everything you'd expect - as standard
Check your balance, review transactions, make payments, request transfers and lots more on your computer, phone or tablet.
You won’t be charged for transactions you didn’t authorise, as long as you tell us if you spot anything odd, or if you lose your card.
Make repayments through your bank, using your debit card, or set up a regular Direct Debit.
Call us 24/7 (in most cases) if you need to talk to us about something on your account.
Make secure payments wherever you see the contactless symbol. Add your card to your phone too, to make paying even quicker.
Get your statements delivered online instead of through your letterbox.
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.