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Gold Card

For Purchases

17 months* interest free on purchases

If you need to use a credit card, it makes sense to pay as little interest as possible. Take out a new first direct Gold Card today and pay 0% interest on all purchases for 17 months*.

  • representative rate of 16.9% APR variable
  • 0% interest on purchases for 17 months*
  • Apple Pay and Google Pay compatible
  • use your card to make contactless transactions
  • no annual fee
  • minimum limit £500 (subject to status)
  • cashback offers with Visa Offers

Representative example

Example credit limit:


Representative APR:

16.9% APR variable

Purchase rate:

16.9% p.a.

*The rate for purchases is 0% interest for 17 months from opening your account. At the end of the promotional period the rate on the outstanding balance will change to the standard variable rate that applies at the time.

How to apply for a Gold Card

Existing customers

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

Log on to Internet Banking

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

03 456 100 100

New to first direct

Sorry - our Gold 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 Gold 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