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Approval for any credit card depends 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.
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.
first direct’s card range is small but perfectly formed, with just two cards. Both are exclusively available to first direct current account holders.
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.
Here are some popular cards offering 0% on balance transfers and purchases.
Applying online for a first direct credit card is quick, easy and secure, and takes about 15 minutes.
To qualify for a first direct credit card, you need to:
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 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.
|0% balance transfer offer||Up to 20 months|
|0% purchases offer||Up to 12 months|
|0% money transfer offer||No money transfer offer available|
|Cashback with brand||Cashback not available|
|Cashback elsewhere||Cashback not available|
|Cash advance||From 29.9%|
|Introductory bonus offer||No introductory bonus offers available|
Existing first direct current account holders can spread the cost of an upcoming expenditure with this 0% interest on purchases deal.
Everything you need to know about the First Direct Balance Transfers Credit Card. Fast and simple overview of rates, fees, credit limits and eligibility requirements. Compare this card against similar products from a range of lenders.
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