Credit Card

It's understated, it's always in fashion, and it goes with absolutely everything. The little black card from first direct is the perfect accessory for every day of your life.

• 0% p.a. on Balance Transfers for 20 months with a standard rate representative 19.9% APR variable
• a Balance Transfer fee of 2.9% (minimum £5) will be charged to all transfers
• representative example: based on an assumed credit of £1,200, our 19.9% rate p.a. for new purchases gives a representative rate of 19.9% APR variable
• protection against internet fraud on transactions made without your consent
• option of regular text message mini-statements direct to your mobile phone
• fully integrated with your first direct 1st Account
• no annual fee.

Important Notes

The introductory rate is available when you make a Balance Transfer within two months of account opening. A Balance Transfer fee of 2.9% (min £5) will be charged for all Balance Transfers. At the end of the promotional period the rate for Balance Transfers will revert to the Standard Variable Rate then applicable. This promotion is only available to new first direct credit card customers and will not apply if you have held a credit card with first direct within the previous six months. We will not transfer balances between cards operated by members of the HSBC Group. Any request to do so will not be processed. The HSBC Group means HSBC Bank plc, its subsidiaries, associated and affiliated companies and includes Marks & Spencer Money and John Lewis Partnership Card.

More information?

If there's anything that doesn't make sense or something you'd like more information about, please don't hesitate to give us a call anytime on 08 456 100 100.

And best of all, you don't have to wait another minute. You can apply online now...