Our credit cards

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We've designed our Credit Card and Gold Card to make your life simpler - giving you the most flexible way to spend, whatever the occasion. Take a look at what's on offer.

  • Representative 19.9% APR variable
  • 0% p.a. on Balance Transfers for 20 months*
  • a Balance Transfer fee of 2.9% (minimum £5) will be charged on all transfers
  • no annual fee
  • £500 minimum credit limit (subject to status).

Our no-nonsense Credit Card comes with a fantastic introductory offer and no annual fee.

Representative example: based on an assumed credit limit of £1,200, our 19.9% rate p.a. for purchases gives a representative rate of 19.9% APR variable.

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  • Representative 16.9% APR variable
  • 0% p.a. on Balance Transfers for 20 months*
  • a Balance Transfer fee of 2.9% (minimum £5) will be charged on all transfers
  • no annual fee
  • £3,000 minimum credit limit (subject to status).

If you're looking for a little more financial flexibility, our Gold Card comes with a minimum credit limit of £3,000 and a range of benefits.

Representative example: based on an assumed credit limit of £3,000, our 16.9% rate p.a. for purchases gives a representative rate of 16.9% APR variable.

Learn more

*Promotional rate subject to making a Balance Transfer within 2 months of account opening. Balance Transfer fee of 2.9% (min £5) will be charged on all transactions.

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 Money, John Lewis Partnership Card and first direct.

Contact first direct at 40 Wakefield Road, Leeds LS98 1FD.

 

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 08 456 100 100.