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Halifax credit card review

Find out how Halifax has been rated for its overseas fees, customer service, mobile app and more in our latest credit card customer satisfaction survey.

In this article
What do Halifax credit cards offer?  How does Halifax compare to other providers? Is Halifax a good credit card provider?
How we calculate Halifax’s customer score and ratings Halifax credit card FAQs

What do Halifax credit cards offer? 

Halifax has much to offer across its range of cards, including its Clarity card which is a top pick for spending abroad. 

You won't have to worry about foreign transaction fees, nor do you have to pay an annual fee.

Representative example: assuming you borrow £1,200 for one year, at a purchase rate of 19.95% (variable), the cost of borrowing is a representative 19.9% APR (variable). Credit available subject to status and terms apply.

How does Halifax compare to other providers?

Halifax, one of the largest credit card providers in the UK, achieved an impressive customer score of 76% in our latest credit card satisfaction survey. It came joint 2nd and has been named one of our Which? Recommended Providers for 2021. 

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Which? customer score
=2nd out of 26 credit card providers
The Which? rating for customer satisfaction is based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Is Halifax a good credit card provider?

Our survey also reveals how Halifax customers rated the provider across 10 categories. 

Find out in the table below how Halifax scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas use fees, customer service, query handling and complaint resolution.

Halifax credit card customer satisfaction category Star rating
Customer service

4 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges

4 out of 5

Charges for using your card abroad

4 out of 5

Dealing with complaints and resolving problems

4 out of 5

Dealing with queries

4 out of 5

Ability to manage account online

4 out of 5

Ability to manage account by telephone

3 out of 5

Mobile app on a smartphone or tablet

4 out of 5


Star ratings out of five show levels of satisfaction for each category. Where no stars are given, we received too few responses in our survey to award a score.

    How we calculate Halifax’s customer score and ratings

    We pick credit cards to feature in Which? brand reviews based on the most popular credit card brands searched for online. 

    Customer scores are based on an online survey of the public in May 2021, which received 4,011 responses. Participants could provide answers on up to two credit cards. 

    This year’s customer score analysis is based on a sample size of 5,744 credit card experiences in total, and represents overall satisfaction as well as the likelihood to recommend the provider to a friend.

    Star ratings for each category are calculated independently of the customer score.

    We carry out these surveys annually and update our review pages accordingly. Providers must receive a minimum sample size of 50 respondents to be included in our customer satisfaction tables.


    Halifax credit card FAQs


    Does Halifax offer an eligibility check?


    Yes. You can use the Halifax eligibility tool to see how likely you are to be accepted for a Halifax credit card.

    It does a 'soft search' of your credit file, which won't affect your credit score.


    Where are Halifax credit cards accepted?


    Halifax uses the Mastercard network for its credit cards, so you will be able to use them to pay in millions of places in the UK and abroad.



    Can I have more than one Halifax credit card?


    You can only have a maximum of two credit cards with Halifax.

    Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.