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first direct Credit Cards

2 CARDS

first direct, a division of HSBC UK, is recognized for its straightforward banking approach. It offers attractive deals on balance transfer credit cards, featuring low fees, competitive interest rates, and 24/7 customer support. This makes first direct a popular choice for those seeking simplicity and reliability in their financial services.

first direct

Balance Transfer Credit Card

4.1

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

24.90% (variable) p.a.

Balance Transfers

0% for 20 months (transfer made within 90 days), then 24.90% (variable) p.a.

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

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4.1

OUR RATING

Quick Look

The first direct Balance Transfer Credit Card is available exclusively to existing first direct customers. It offers up to 20 months of 0% interest on balance transfers made within the first 90 days of account opening, making it a strong option for consolidating existing credit card debt if repaid within the promotional window.

Issuer	first direct
Network	Visa
Primary Category	Balance Transfer
Loyalty Scheme
Incentive on opening	0% interest on balance transfers for the first 20 months made within 90 days, with a 2.99% balance transfer fee (minimum £5)
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	24.90% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	0% for 20 months (transfer made within 90 days), then 24.90% (variable) p.a.
Balance Transfer Fee (%)	2.99%
Cash Advances	29.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 500.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

first direct

Gold Credit Card

4.0

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 12 months, then 24.90% (variable) p.a.

Balance Transfers

24.90% (variable) p.a. ( fees apply)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

Read Full Review

4.0

OUR RATING

Quick Look

The first direct Gold Credit Card is exclusive to existing first direct customers. It offers up to 12 months of 0% interest on purchases, making it suitable for those looking to spread the cost of new spending without incurring interest during the promotional period.

Issuer	first direct
Network	Visa
Primary Category	Purchases
Loyalty Scheme
Incentive on opening	0% interest on purchases for the first 12 months. Make payments straight away using Apple Pay and Google Pay
Cashback rate (if applicable)	No cashback scheme
Account Fees	£0
Purchases	0% for up to 12 months, then 24.90% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	24.90% (variable) p.a. ( fees apply)
Balance Transfer Fee (%)	0.00%
Cash Advances	29.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 500.00
Maximum Credit Limit	Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

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