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Travel credit cards

A travel credit card could help you manage your spending when you’re abroad.

The Halifax Clarity credit card

With features for managing your spending at home and abroad.

To see your interest rate and estimated credit limit before you apply, check your eligibility.

Check your eligibility

Clarity credit card

What is a travel credit card?

Travel credit cards work in the same way as any other credit card. The main difference is that they offer travel-related benefits, which might include:

  • No foreign transaction fees on card purchases
  • No cash withdrawal fees.

 

A travel credit card could be a safer alternative to carrying large amounts of cash when abroad.
 

Things to look out for

  • Some cash machine companies may charge you for withdrawing cash.
  • Interest charges will apply from the day you make a cash withdrawal.
  • Unless you repay your balance in full each month, or a 0% promotional interest rate applies, you'll be charged interest on any card purchases.

 

When you spend abroad, Mastercard will set the exchange rate on that day.

Let’s take a closer look

    • Manage your account online.
      Check balances, recent transactions and statements. You can also make payments, request transfers and more.
    • Complete fraud protection.
      Lost your card? Didn't authorise a transaction? Tell us right away. We won't charge you.
    • Repay your way.
      You could do a bank transfer, use your debit card or set up a regular Direct Debit.
    • UK call centres.
      We're here to help with essential services 24 hours a day, 7 days a week. Not all Telephone Banking services are available this often.
    • Contactless.
      Use your card or add it to a compatible mobile device for quick and safe contactless payments.
    • Paper-free monthly statements.
      View them online rather than by post. We'll email you when a new one is ready.

  • You need to check your eligibility to see your interest rate and estimated credit limit.

    This is helpful to you because you'll be able to make a more informed choice. It will show you all of the cards that you can apply for. You'll find out what your interest rates would be.

    The eligibility check lets you see all this information without affecting your credit score.

    If you decide to apply for any of the cards, we'll then run a credit search. 

    Answer a few basic details on our eligibility checker. It takes about 5 minutes to complete.

    Check your eligibility

  • To get started, complete an eligibility check.
    You'll see information about all the cards you can apply for. This includes the interest rate and estimated credit limit we would offer you. 

    This check takes about 5 minutes to complete. It won’t affect your credit score. We’ll just need some basic details from you. This includes your name, address and some information about your income and regular spending.

    Once you’ve picked a card, simply follow the instructions to complete a full application.

    Check your eligibility or read our guide about how to apply for a credit card.

  • Single item credit card purchases over £100 and up to £30,000 may be covered under Section 75 of The Consumer Credit Act 1974. Even if you make a purchase outside the UK.

    More about Section 75

  • Draft credit card account Terms and Conditions (PDF, 989KB)

    Full terms and conditions, specific to you, will be issued once you've been accepted for a credit card.

 

Who can apply with Halifax?

You must:
  • be a UK resident
  • be aged 18 or over
  • be employed and have a regular income.

You mustn't:

  • be unemployed or a student
  • have bankruptcies on your credit file
  • have County Court Judgements (CCJs)
  • have Individual Voluntary Agreements (IVAs)
  • have been declined by Halifax within the last 30 days.

Start by checking your eligibility

Answer a few questions to:
  • compare all the cards that we're likely to approve you for
  • see your interest rate and estimated credit limit
  • protect your credit score by finding out if we’re likely to approve you before you apply.

Credit is available subject to an assessment of your circumstances.

Check your eligibility

Is a travel card right for you?

A travel card may be helpful if you regularly travel abroad. 

If it's a one-off trip, ask yourself if a credit card is right for you. Although carrying a card is more safe than cash, you may lose track of your spending. Using your debit card could be another option. But, before you decide, make sure you're aware of any foreign transaction costs before you travel.

See our other credit cards:

See our other borrowing options

Other things to consider before you travel

Next day travel money, with no fees

If you have a Halifax current or savings account, you can order travel money to your house or branch. There's no fees for you to pay. Order before 3pm for next day delivery.

Explore our travel hub

Check out our range of products, services and guides in our travel hub, designed to help you plan and make the most of your trip.

Learn about borrowing

Already have a Halifax credit card?