✅ 0.5% cashback on up to £15,000 in purchases per year, 1% thereafter
✅ No foreign exchange fees for the first 60 months
✅ Complimentary Priority Pass and Airport Security Fast Track
✅ £15 monthly fee with premium travel, shopping, and mobile perks
Why the Utua team recommends the Halifax World Elite card
At Utua, we champion financial tools that deliver long-term, tangible benefits — and the Halifax World Elite Mastercard is an excellent example. This premium credit card is designed for people who spend frequently, travel often, and expect more from their financial products.
What makes this card particularly impressive is its structure: it gives you cashback of 0.5% on all purchases up to £15,000 annually and increases that to 1% beyond that threshold — rewarding loyalty and consistent use. The card’s travel benefits rival some of the best in the market, including access to over 1,300 airport lounges through Priority Pass, fast-track security at select airports, and zero foreign exchange fees for five years.
Author’s opinion
The Halifax World Elite Mastercard strikes a strong balance between lifestyle perks and financial value. As a credit card reviewer, I’ve seen many premium cards with heavy fees and very few usable benefits — but this isn’t one of them. The cashback structure is excellent, especially for high spenders who can exceed the £15,000 mark in a year and benefit from the elevated 1% rate.
The five-year waiver on foreign exchange fees is nearly unheard of in the UK credit card market, saving regular travelers hundreds in charges. Add in the included Priority Pass and Airport Fast Track — both of which are highly desirable for anyone flying often — and you have a premium card that truly offers value.
Want to know more about the card?
To explore all the benefits of the Halifax World Elite Mastercard, including cashback mechanics, foreign spending perks, and how to activate travel features, click the button below. It’s your one-stop guide to making the most of your elite-level credit card experience — from application to everyday use.