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Transfer your other card balances to a new first direct Credit Card and receive no interest on Balance Transfers for the next 27 months*.

  • representative rate of
18.9% APR variable
  • no interest 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)
  • Representative example

    based on an assumed credit limit of £1,200. our 18.9% rate p.a. for purchases gives a representative rate of 18.9% APR variable.

    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 Balance Transfers is no interest 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. 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.

    To request a Balance Transfer, call us any time on 03 456 100 100. 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 .

    Credit Card at a glance

    You'll find more information about the first direct Credit 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) .

    Category: Credit

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