TRAVEL CREDIT CARDS.

A travel credit card (e.g. the Halifax Clarity Credit Card) can 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

Representative example

A variable representative of

A variable annual purchase rate of

Based on borrowing

19.9% APR

19.95% p.a.

£1,200 over 12 months.


A variable representative of

19.9% APR

A variable annual purchase rate of

19.95% p.a.

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.


Will I be accepted?

See if you’re likely to be approved for a Halifax credit card. Your credit score won’t be affected and there’s no obligation to apply afterwards.


Accepted widely

Accepted here, there and just about everywhere.


Currency conversion

All spending shows as pounds and pence on your statement.


One interest rate

The same interest rate on things you buy, wherever you buy them.


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.

Competitive exchange rate

  • 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 providers might charge a fee for cash withdrawals.
  • Interest charges apply to cash you take out from the day it’s withdrawn.
  • Overseas transactions £100-£30,000 are covered by Section 75.

Everything you'd expect - as standard


Looking for a new credit card?

Want to transfer a balance, help manage your everyday spends or spread the cost of a big-ticket item? Or maybe a travel credit card might suit your needs.

Large purchase credit cards
Everyday spending credit cards
Balance transfer credit cards


Manage your Halifax credit card

If you’re already a Halifax credit card customer, all the help you need is in one place.

Activate your new card
Report your card lost or stolen
Get a second credit card
Ways to pay
Halifax travel hub

More existing customer help


Find out more about credit cards

A credit card can be very handy. The trick is learning how it works so you can use it wisely. Whether you’re thinking of applying for a Halifax credit card or you’re already a customer, our guides will help you find out more.

APR, interest rates and fees
Top tips for managing your card

Credit cards help and guidance


Will I be accepted?

See if you’re likely to be approved for a Halifax credit card. Your credit score won’t be affected and there’s no obligation to apply afterwards.


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.


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.