Halifax Clarity Credit Card
The Halifax Clarity is a long-time traveller favourite, charging no foreign transaction fees and no cash withdrawal fees abroad, with the Mastercard exchange rate applied.
Why it ranks
- Excellent for travel with zero FX fees
- No fee on overseas cash withdrawals
- Long-standing, trusted travel card
What holds it back
- Interest accrues on cash withdrawals from day one
- No rewards or cashback
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The Halifax Clarity is a long-time traveller favourite, charging no foreign transaction fees and no cash withdrawal fees abroad, with the Mastercard exchange rate applied.
Halifax Clarity Credit Card at a glance
| Issuer | Halifax |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | No welcome bonus |
| Rewards rate | No rewards; travel cost savings focus |
| Intro APR | Not applicable |
| Regular APR | Approx. 24.9% APR representative (variable) |
| Foreign transaction fee | 0% on foreign currency purchases |
| Credit needed | Good credit history |
| Best for | Frequent travellers wanting fee-free overseas spending |
| Airport lounge access | No |
Rewards & benefits
- No foreign transaction fee anywhere in the world
- No Halifax cash withdrawal fee, even abroad
- Mastercard exchange rate applied to purchases
- No annual fee to hold the card
Eligibility & who it suits
- UK resident aged 18 or over
- On the electoral roll at your current address
- Good credit score
- Pass Halifax affordability checks
How to apply
Check current rates on Halifax’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar UK cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | HHalifaxClarityNo annual fee · UK Halifax Clarity Credit CardFrequent travellers wanting fee-free overseas spending |
None | No rewards; travel cost savings focus | No welcome bonus | 0% on foreign currency pur… | Good credit history | |
| 2 | BBarclaycardAvios Plus£240/yr · UK Barclaycard Avios PlusBritish Airways flyers who spend regularly |
£240/yr | 1.5 Avios per GBP1 spent | Bonus Avios after meeting an initial spend target | 2.99% on foreign currency… | Good to excellent credit history |
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