first direct Balance Transfer Credit Card
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. (2.99% fee)
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).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
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. The average credit limit offered is £7,700 which is based on all accepted credit card applications over 2024.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| 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/Rewards (if applicable) | No cashback scheme |
| Account Fee | £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. (2.99% fee) |
| 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 |
Fees & Charges
| Account Fee | £0 |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 5 |
| Exceed Limit | £ 12 |
| Duplicate Statement | £ 5 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 3% |
| Cash Withdrawal Minimum Charge | £ 3 |
| Foreign Usage EU | 2.99% |
| Foreign Usage World | 2.99% |
Application Requirements
| Availability | Only available to first direct account holders. |
|---|---|
| Minimum Income | £ 6,800 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
Find the right Credit Card for you
No impact to your credit score
Find out which cards you’re eligible for
34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.
Balance transfer cards for credit builders
How much can you balance transfer?
