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⚖ Add to comparisonHalifax · Mastercard
Halifax Clarity Credit Card
The Halifax Clarity remains a benchmark travel card because it charges no FX fee and no cash-withdrawal fee abroad while using the Mastercard rate. The one trap: interest starts immediately on cash withdrawals even if you clear the statement, so pay any ATM balance off the moment it posts. On a EUR 1,000 overseas spend you'd dodge the roughly GBP 25-30 in fees a typical UK card adds. It earns no rewards, so it's a pure travel companion, not an everyday earner. Confirm the rate and current terms on halifax.co.uk.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓No foreign transaction fee anywhere worldwide
- ✓No Halifax cash withdrawal fee, including abroad
- ✓Purchases converted at the Mastercard exchange rate
- ✓Nothing to pay each year to keep the card
👍 Pros
- + Great for travel with zero FX fees
- + No charge on cash withdrawals overseas
- + A trusted travel card that's been around a long time
👎 Cons
- – Interest builds on cash withdrawals from the first day
- – No cashback or rewards
Can you get it?
- ▸UK resident, 18 or older
- ▸Registered on the electoral roll at your address
- ▸Good credit score
- ▸Clear Halifax's affordability checks
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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