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Credit cards

Key Features Representative Example

For balance transfers

Credit Card

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  • £20 cashback when you transfer at least £1,500 with a first direct Credit Card within the first 3 months of opening your account†
  • 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
  • cashback offers with Visa Offers

Representative example

Based on an assumed credit limit of:

£1,200, our 18.9% rate p.a. gives a representative rate of 18.9% APR variable.

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For purchases

Gold Card

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  • £20 cashback when you spend at least £1,000 with a first direct Gold Card within the first 6 months of opening your account† 
  • representative rate of 16.9% APR variable
  • 0% interest on purchases for 17 months
  • no annual fee
  • cashback offers with Visa Offers

Representative example

Based on an assumed credit limit of:

£1,200, our 16.9% rate p.a. gives a representative rate of 16.9% APR variable.

Learn more

Apply

Are you eligible?

Promotional rates are only available to first direct Current Account holders who haven't had a first direct Credit Card or Gold Card within the last six months. As you'd expect, credit is subject to status.

Read our Terms and Conditions (PDF) and our † £20 Offer Terms and Conditions (PDF) before you apply.

What happens at the end of the promotional period?

At the end of the promotional period the rate will change to the standard variable rate that applies at the time.

Balance transfers

Once you've received your card, log on to Online Banking and select 'Account servicing' and choose 'Request 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.

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.