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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
  • 0% 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
  • No annual fee
  • £500 minimum credit limit (subject to status)
  • Available to existing 1st Account holders only.
  • Representative 16.9% APR variable
  • 0% p.a. 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 0% 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.

† Gold Card - the rate for purchases is 0% 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.