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Credit Card

For Balance Transfers

27 months* interest free on balance transfers

Stop paying interest on other credit card balances - transfer them over to us. You won't pay a penny in interest for the next 27 months* (2.29% fee, min £5), which could help you clear your commitments faster.

  • representative 18.9% APR variable
  • 0% interest on balance transfers for 27 months*
  • 2.29% balance transfer fee (minimum £5) applies to balances transferred in first three months
  • no annual fee
  • £500 minimum credit limit (subject to status)
  • Apple Pay and Google Pay compatible
  • use your card to make contactless transactions
  • cashback offers with Visa Offers

Representative example

Example credit limit:


Representative APR:

18.9% APR variable

Purchase rate:

18.9% p.a.

Transferring balances is easy

Once you've received your card, log on to Online Banking and select 'Service request' and choose 'Balance transfer' from the left hand menu. Or call us any time, night or day on 03 456 100 100 - transfer requests received after 3.30pm or on a weekend or bank holiday will be processed the next working day, and it can take up to five working days for the money to reach your other credit or store card provider.

*The rate for balance transfers is 0% interest for 27 months when you make a balance transfer within three months of opening your account. After 27 months the rate for the transferred balance will change to the standard variable rate that applies at the time.

A Balance Transfer fee of 2.29% (min £5) will be charged for each transferred balance made within three months of opening your account. After three months, this fee will be at the full rate.

Sorry - we can't transfer balances between cards operated by members of the HSBC Group, including HSBC UK Bank plc, its subsidiaries, associated and affiliated companies. These include Marks & Spencer Financial Services plc and John Lewis Financial Services Limited.

How to apply for a Credit Card

Existing customers

Log on to Online Banking, select 'Apply' and choose 'Credit cards' from the left hand menu.

Log on to Online Banking

If you would prefer to speak to us, please call us on:

03 456 100 100

New to first direct

Sorry - our Credit Cards are only available to first direct current account customers. You're more than welcome to join us...

More about our current account

You can also talk to us anytime on:

03 456 00 24 24

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Let's talk about a Credit Card

Any time, day or night - there's always a real person on hand to help.

New to first direct?

03 456 00 24 24

Existing customer

03 456 100 100