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.
The Halifax Clarity credit card
- Charges the same interest rate on everything you buy, wherever you buy it, making it easier to keep track of your spending and borrowing costs.
- Pay in local currency and your transaction will automatically convert using the Mastercard® exchange rate on that day – that also applies to cash withdrawals. And there are no foreign currency transaction fees to worry about either.
- Accepted here, there and just about everywhere.
Representative 19.9% APR variable.
Credit limits and interest rates will vary based on individual circumstances.
Good to know
Mastercard® is accepted widely in lots of countries.
Although we won’t charge you, some ATM providers may charge a fee for cash withdrawals
Interest charges apply from the day you make a cash withdrawal.
Overseas transactions over £100 but not more than £30,000 are covered by Section 75 of the Consumer Credit Act 1974.
Things to look out for
You can use a travel credit card to make transfers and other types of transaction, but higher interest rates might apply. You could avoid paying interest by repaying your balance in full every month.
Only borrow what you can realistically afford to repay. Will you be able to make payments, even if your circumstances changed?
Standard account features
- Manage your account online: using your computer, tablet or phone, you can check balances, recent transactions and statements, make payments, request transfers and more.
- Complete fraud protection: you won’t be charged for transactions you didn’t authorise, as long as you tell us right away when you spot something odd, or lose your card.
- Lots of payment options: you can make your monthly payments in a number of ways, including bank transfer, debit card and regular Direct Debit payments.
- UK call centres: our UK based contact centres are just a phone call away, with essential services available 24 hours a day, 7 days a week.
- Contactless cards: make small payments securely and quickly, wherever you see the contactless symbol. You can also add your card details to a compatible mobile device, ready to use online and at checkouts.
- Paperless statements: monthly statements will be delivered online, instead of by post. We’ll let you know by email when a new statement is ready to view online.
Frequently asked questions
A travel credit card works the same as any other credit card, although has benefits tailored to use at home and overseas. This could include things like, as with the Halifax Clarity Credit Card, no foreign transaction fees on card purchases outside the UK. Just be aware that interest charges might apply though.
When applying for a credit card, it’s important to make sure the one you choose is right for your needs.
If you regularly travel abroad and want a credit card to help manage your spending while you’re away, a travel credit card could be one option, offering tailored benefits.
However, if you are just going on a one-off holiday, then consider whether a credit card is right for you. Although carrying a card is more secure than cash, you could be less aware of what you’re spending. Using your debit card could be another option – just make sure you understand any foreign transaction costs before you travel.
There are other types of credit cards available that may be more suitable for your needs. Do your homework about what each card offers to find the one that’s right for you.
Provide a few basic details and our eligibility checker will do the rest, giving you a clearer idea of the credit limit and interest rate you could get. It also means you’re less likely to be declined, or offered a different rate when you submit a full credit application.
This check takes about five minutes to complete, and won’t affect your credit score.
The Annual Percentage Rate (APR) is usually based on the card purchase interest rate, accounting for standard account costs, such as annual fees. As well as giving you an idea about the annual cost of borrowing, the APR is also a quick way to compare credit products.
The lowest and longest lasting interest rates are usually offered on one transaction type, e.g. card purchases, so think about the main reason you need a credit card.
You can apply for a credit card if:
- You’re a UK resident, aged 18 or over, with a regular annual income.
- You are free of County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) or bankruptcies.
- You’re not unemployed or a student.
- You’ve not been declined for a Halifax credit card within the last 30 days.
You’ll need to complete an eligibility check first, then we’ll show you the credit cards, interest rates and credit limit we could offer you.
This check takes about five minutes to complete, and won’t affect your credit score. We’ll just need some basic details from you, including your name, address, and some information about your income and outgoings.
Once you’ve found the card you want to apply for, simply follow the instructions to complete a full credit application.
Going abroad? Explore our range of products, services and guides, designed to help you plan and make the most of your trip.
Halifax customers can order travel money online and get it delivered to their home. With no hidden fees, you can order from a range of currencies and tick one more thing off your holiday checklist.
Get clued up on credit
Your credit score can impact what cards and interest rates you could get. Learn more about how credit works, how to check and improve your credit score, and more.
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.