You are one step away from the Halifax Clarity Credit Card. Check the eligibility criteria and how the eligibility checker works before you apply.
Check each requirement below before you apply. Knowing your chances first helps protect your credit score.
An eligibility check uses a soft search, so you can see your chances without affecting your credit score.
Check first, apply with confidence
Travel cardNo foreign feesNo annual fee
📋 Eligibility
- Age: You must be aged 18 or over.
- Residency: You must be a permanent UK resident with a UK address history.
- Income: You need a regular income; the provider sets its own minimum.
- Bank account: You need a UK bank or building society current account to set up repayments.
- Credit check: A full credit check is carried out when you apply; use the eligibility checker first for a soft search.
🔍 How to check your eligibility
- Open the Bank of Scotland plc (Halifax) eligibility checker or card page.
- Enter a few details about your income and address.
- See your result with a soft search before submitting a full application.
✅ Good to know
- Fee-free cash abroad: No cash withdrawal fee, though interest is charged immediately.
- Network exchange rate: Purchases use Mastercard's exchange rate.
- Eligibility checker: See your rate and estimated limit before applying.
Halifax has said the brand is changing to Lloyds, so check the current product page before applying.