Section: Our credit cards.
Take out a new first direct Gold Card and receive no interest on Purchases for the next 17 months*.
Credit is subject to status. This promotion is only available to new 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.
*The rate for Purchases is no interest for 17 months from account opening.
We may allow you to make balance transfers. 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 Financial Services plc and John Lewis Financial Services Ltd.
Requests for a Balance Transfer received by us after 3.30pm or received on a non-working day will be treated as if they were received the next working day. It can take up to five working days from the day of receipt by first direct for the money to reach your other credit or store provider.
You'll find more information about the Gold Card below - but please also read our Terms and Conditions PDF download (opens in new window) before you apply.
Our downloads are in a PDF format. To read them you'll need to have Adobe Reader 4.0™ or above. It's free and you can get Adobe Reader here (opens in new window).
|Gold Card Summary|
Except where any interest rates are stated to be fixed, all interest rates are variable.
|Gold Card Repayments illustration|
Illustrative example (includes introductory rates*) for purchases of £1,000 on your Gold Card:
The above example assumes the following: the transaction takes place on the first day of January and you make no further transactions; you always make the payment on the 15th; your statement is produced 31 days after you make the purchase; interest is calculated based on the representative 16.9% APR variable rate and introductory rates are included.
We recommend that you pay more than the minimum payment whenever possible. If you make only the minimum payment each month, it will take you longer and cost you more to clear your balance, as shown in the example above.
A recurring transaction, sometimes called a continuous payment authority, is a series of payments collected with your agreement from your card by a retailer or supplier (for example, insurance cover). This is an agreement between you and the retailer. The Direct Debit Guarantee does not cover these transactions.
To set up a VISA 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.
You can apply online through your Internet Banking. As you're currently logged in, just select Apply online from the left hand menu within Internet Banking
Once you've logged on to Internet Banking, just select 'Apply', and choose 'Gold Card' from the left hand menu.
If you haven't yet registered for Internet Banking, simply click on the link below and follow the on-screen instructions.
Please note: You will need to have registered for telephone banking before you can access Internet Banking. You can do this by calling us on 03 456 100 100.
To take out a Gold Card, you will also need to open a first direct 1st Account, our current account.
You can also talk to us anytime on:
telephone 0800 24 24 24
If you foresee any changes in your circumstances that may affect your ability to repay the credit card you are applying for, for example a change in your income or outgoings, a change to your employment situation or you are a temporary or zero hours contract worker please apply on the telephone.