first direct Gold Credit Card
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. (1.87% 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
Exclusive to first direct customers; benefit from up to 12 months interest free on purchases.
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 | 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/Rewards (if applicable) | No cashback scheme |
| Account Fee | £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. (1.87% fee) |
| 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 |
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. Haven’t been declared bankrupt or registered for an Individual Voluntary Agreement in the last 6 years |
|---|---|
| Minimum Income | £ 6,800 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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26.5% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
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