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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*.

  • £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
  • Apple Pay and Google Pay compatible
  • use your card to make contactless transactions
  • £500 Minimum credit limit (subject to status)
  • Available to existing 1st Account holders only

Representative example

Example credit limit Representative APR Purchase rate
Example credit limit

£1,200

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'.

Log on to Online Banking

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


New to first direct

This product is only available to first direct Current Account customers (you're more than welcome to join us...)

More about our current account

Before you apply

You'll find more information in the Gold Card summary box and repayments illustration tabs on this page.

Please also read the following information before you apply:

If you know there are changes to your personal circumstances coming up - like maternity leave, a change in disposable income or a new job - or you are on a temporary or zero hours contract, please apply by telephone on 03 456 100 100.

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