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First Direct

Compare first direct credit cards for September 2022

Find out more about this no-branch provider's two credit card products: the "Standard" and "Gold" cards – available to holders of a first direct current account.

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Compare first direct credit cards

Table: sorted by representative APR, promoted deals first
1 - 2 of 2
Updated daily
Name Product Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
first direct Gold Credit Card
first direct Gold Credit Card
0% for 17 months reverting to 16.9%
16.9%
(0% fee)
£0
16.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a., your representative rate is 16.9% APR (variable).
Read review
first direct Credit Card
first direct Credit Card
18.9%
0% for 27 months
(2.29% fee)
£0
18.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
Read review
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Approval for any credit card will depend on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

What is first direct?

Part of the HSBC banking group, first direct was set up in 1989, and claims to be the only UK bank which has enjoyed such a long period of providing service to its customers 24 hours a day, 7 days a week. It offers the full range of financial products – savings, mortgages and insurance – that you’d find at a high street bank, but without the overheads.

first direct’s outlook is decidedly unstuffy and forward-thinking, with its marketing and publicity aimed squarely at a younger audience, and security measures that include voice recognition. Despite having no branches – operating purely online and over the phone – first direct regularly tops customer satisfaction polls.

What types of credit card does first direct offer?

first direct’s card range is small but perfectly formed, with just two cards. Both are exclusively available to first direct current account holders.

  • 0% balance transfers

    Got an outstanding balance with another bank? That needn’t stop you from switching. This type of card allows you to transfer a balance (as the name suggests) to first direct, and enjoy a lengthy period of 0% interest on it. If you do this, you should aim to clear the balance before the end of the 0% period, otherwise a much higher rate kicks in. Work out what you should pay each month by dividing the outstanding sum by the number of months at a 0% rate, and aim not to use the card for spending.
    Learn more about 0% balance transfer cards

  • 0% purchases

    If you’re planning to make major purchases on your card, a 0% interest on purchases card effectively lets you spread the cost over a number of months (providing the purchase is within the credit limit that first direct gives you). Remember that if you only make the minimum required payments each month, you’ll have an outstanding balance when the 0% period ends, and a much higher rate will kick in.
    Learn more about 0% purchase cards

Both cards have no annual fee attached, and offer the chance to earn cashback on specific purchases through the separately-administered Visa Offers programme. The cards are Apple Pay and Google Pay-compatible.

How do first direct cards compare against others on the market?

Table: sorted by representative APR, promoted deals first

Here are some popular cards offering 0% on balance transfers and purchases.

The cards below are sorted by their representative APRs, and the length of their 0% on balance transfers offer period, but if you’re interested in comparing the cards by a different feature, you can re-order the table.
Updated daily
Name Product Balance transfers Balance transfer fee Purchases Annual/monthly fees Representative APR Incentive Link
M&S Bank Credit Card Rewards Offer Mastercard
M&S Bank Credit Card Rewards Offer Mastercard
0% for 12 months reverting to 19.9%
0%
0% for 12 months reverting to 19.9%
£0
19.9% APR (variable)
Double points on spend in M&S for first year (2 points per £1). Then 1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
Read review
M&S Bank Shopping Plus Credit Card
M&S Bank Shopping Plus Credit Card
0% for 24 months reverting to 21.9%
2.9% fee, min £5
0% for 24 months reverting to 21.9%
£0
21.9% APR (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Read review
The NatWest Balance Transfer Credit Card (existing customers only)
The NatWest Balance Transfer Credit Card (existing customers only)
0% for 22 months reverting to 21.9%
0%
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Read review
HSBC Balance Transfer Credit Card
HSBC Balance Transfer Credit Card
0% for 33 months reverting to 21.9%
2.84% (min. £5) for 2 months reverting to 2% (min. £5)
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Read review
Royal Bank of Scotland Purchase & Balance Transfer Credit Card (existing customers only)
Royal Bank of Scotland Purchase & Balance Transfer Credit Card (existing customers only)
0% for 23 months reverting to 21.9%
2.49%
0% for 23 months reverting to 21.9%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Read review
NatWest Purchase & Balance Transfer Credit Card (existing customers only)
NatWest Purchase & Balance Transfer Credit Card (existing customers only)
0% for 23 months reverting to 21.9%
2.49%
0% for 23 months reverting to 21.9%
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Read review
Santander Everyday Long Term Balance Transfer Credit Card
Santander Everyday Long Term Balance Transfer Credit Card
0% for 33 months reverting to 21.9%
2.65% (min. £5) for 33 months reverting to 3% (min. £5)
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Earn up to 15% cashback with your selected Retailer Offers at selected major retailers.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Read review
M&S Bank Credit Card Transfer Plus Offer Mastercard
M&S Bank Credit Card Transfer Plus Offer Mastercard
0% for 32 months reverting to 21.9%
1.99% fee, min £5
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Read review
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The cards below are sorted by their representative APRs, and the length of their 0% on purchases offer period, but if you’re interested in comparing the cards by a different feature, you can re-order the table.
Updated daily
Name Product Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
M&S Bank Shopping Plus Credit Card
M&S Bank Shopping Plus Credit Card
0% for 24 months reverting to 21.9%
0% for 24 months
(2.9% fee, min £5 fee)
£0
21.9% APR (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Read review
Santander All in One Credit Card
Santander All in One Credit Card
0% for 23 months reverting to 18.9%
0% for 26 months
(0% fee)
£3 per month
24.7% APR (variable)
0.5% cashback on all your eligible purchases, paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £3 per month, your representative rate is 24.7% APR (variable).
Check eligibility
Read review
Royal Bank of Scotland Purchase & Balance Transfer Credit Card (existing customers only)
Royal Bank of Scotland Purchase & Balance Transfer Credit Card (existing customers only)
0% for 23 months reverting to 21.9%
0% for 23 months
(2.49% fee)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Read review
NatWest Purchase & Balance Transfer Credit Card (existing customers only)
NatWest Purchase & Balance Transfer Credit Card (existing customers only)
0% for 23 months reverting to 21.9%
0% for 23 months
(2.49% fee)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
Read review
HSBC Purchase Plus Credit Card
HSBC Purchase Plus Credit Card
0% for 23 months reverting to 22.9%
0% for 23 months
(2.99% fee)
£0
22.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
Check eligibility
Read review
M&S Bank Credit Card Rewards Offer Mastercard
M&S Bank Credit Card Rewards Offer Mastercard
0% for 12 months reverting to 19.9%
0% for 12 months
(0% fee)
£0
19.9% APR (variable)
Double points on spend in M&S for first year (2 points per £1). Then 1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
Read review
HSBC Rewards Credit Card
HSBC Rewards Credit Card
0% for 6 months reverting to 23.9%
0% for 6 months
(2.99% fee)
£0
23.9% APR (variable)
Earn 1 point for every £5 spent on purchases. Bonus 2,500 reward points on anniversary if £10,000 spent in previous year.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
Check eligibility
Read review
Tesco Bank Clubcard Plus Credit Card Mastercard
Tesco Bank Clubcard Plus Credit Card Mastercard
0% for 24 months reverting to 19.944%
21.814%
(3.99% fee)
£7.99 per month
37.7% APR (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).
Read review
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What benefits can I expect from a first direct credit card?

  • Strong customer support. first direct is the original telephone bank, and 24-hour banking service is available to help you make one-off payments, or set up regular payments, or to answer any questions about your credit card account.
  • Online account management. first direct’s online banking portal is the place to access a range of options and services attached to your card.
  • Additional cards. Additional cards can be issued on a single account, but if you apply, you must also hold a first direct current account. With multiple users, it’s normally possible to earn cashback rewards faster.
  • first direct app. If you’re registered for online banking with first direct, you can find the app in Google Play or Apple’s App Store. Use this to do lots of clever things on your first direct credit card account, including setting up one-off or regular payments.

Applying for a first direct credit card

Applying online for a first direct credit card is quick, easy and secure, and takes about 15 minutes.

Eligibility requirements

To qualify for a first direct credit card, you need to:

  • Be a UK resident.
  • Be over 18 years old.
  • Hold a first direct current account, which you need to credit with at least £1,000 per calendar month (after the first six months of holding the account).
  • Not have any outstanding County Court Judgments.
  • Ensure that you can meet the monthly repayments, as missed payments incur a charge and could have severe consequences on your ability to obtain future credit.

Why might your application not be approved?

If you meet the broad criteria outlined above, but have a history of bad debt or no credit history, you could be rejected. Also, if you have been made the subject of a CCJ you may not be accepted, and you are unlikely to be given a card if you have ever declared bankruptcy.

first direct customer reviews

first direct has received mostly positive reviews from customers, according to review site Trustpilot. It has a rating of 4.3 out of 5, based on more than 10,400 reviews (updated August 2022). Some customers highlighted the quick customer service and liked their “easy-to-use” app.

Frequently-asked questions about first direct credit cards

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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