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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
Coronavirus (COVID-19) credit card update What do Halifax credit cards offer?  How does Halifax compare to other providers? Is Halifax a good credit card provider?
Which overseas credit card is best? How we calculate Halifax’s customer score and ratings Halifax credit card FAQs

Coronavirus (COVID-19) credit card update

The Financial Conduct Authority (FCA) wants lenders to continue to offer payment holidays on credit cards, loans and other finance agreements in a bid to help ease the financial hardship caused by the coronavirus outbreak.

Keep on top of the latest news and advice related to the COVID-19 pandemic with Which?

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.

How does Halifax compare to other providers?

Halifax, the third-largest credit card provider in the UK, achieved an average customer score of 75% in our latest credit card satisfaction survey, securing a respectable joint seventh place.

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Halifax review
Which? Customer Score
=7th out of 30 credit card providers
Which?'s rating for customer satisfaction, 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 usage fees, customer service, query handling and complaint resolution.

Halifax credit card satisfaction ratings


Star ratings

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.

Customer service

4 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

4 out of 5

Dealing with queries

4 out of 5

Dealing with complaints

4 out of 5

Ability to manage online

5 out of 5

Ability to manage by mobile app

4 out of 5

Ability to manage by telephone banking

4 out of 5

Charges for using your credit card abroad

4 out of 5

Which overseas credit card is best?

You can explore more of the best fee-free travel credit card deals using Which? Money Compare.

How we calculate Halifax’s customer score and ratings

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

Customer scores are based on an online survey of the public, which received 6,537 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

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

These surveys are carried out annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 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.


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.