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left brain - first direct Credit Card. 0% on balance transfers for 27 months. right brain - first direct Gold Card. 0% on purchases for 17 months. Terms and conditions apply
  • Representative 18.9% APR variable
  • No interest p.a. on Balance Transfers for 27 months*
  • A Balance Transfer fee of 2.29% (minimum £5) will be charged on all transfers made within the first three months of account opening
  • Representative example: based on an assumed credit limit of £1,200, our 18.9% rate p.a. for purchases gives a representative rate of 18.9% APR variable.
  • No annual fee
  • £500 minimum credit limit (subject to status)
  • Available to existing 1st Account holders only.
  • Representative 16.9% APR variable
  • No interest on Purchases for 17 months†
  • No annual fee
  • £500 minimum credit limit (subject to status)
  • Available to existing 1st Account holders only.

*Credit Card - the rate for balance transfers is no interest for 27 months when you make a balance transfer within three months of account opening. A balance transfer fee of 2.29% (min £5) will be charged for each transferred balance. At the end of the promotional period the rate for the transferred balance will revert to the standard variable rate then applicable to balance transfers. Purchases will be charged at our standard rate.

We will not transfer balances between cards operated by members of the HSBC Group. The HSBC Group means HSBC Bank plc, it's subsidiaries, associated and affiliated companies and includes Marks & Spencer Financial Services plc and John Lewis Financial Services Ltd. Credit is subject to status.

To request a Balance Transfer, call us any time on 03 456 100 100. Requests for a Balance Transfer received by us after 3.30pm or received on a non-working day will be treated as if they were received the next working day. It can take up to five working days from the day of receipt by first direct for the money to reach your other credit or store provider.

† Gold Card - the rate for purchases is no interest for 17 months from account opening. We may allow you to make balance transfers.

This promotion is only available to first direct customers who hold a 1st Account and do not hold a first direct credit card and have not held a credit card with first direct within the previous six months.

Already a customer?

To set up a Direct Debit mandate, order a replacement card, re-order your PIN or manage other details of your account such as balances and payments, visit our Existing customers page. Alternatively, you can call us anytime on 03 456 100 100.


Protecting your money

Your eligible deposits with HSBC Bank plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. This limit is applied to the total of any deposits you have with HSBC Bank plc and first direct.

Any total deposits you hold above the £85,000 limit between HSBC and first direct are not covered.






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