Before you apply for the first direct Credit Card, have your details to hand. These are the main requirements and the step-by-step guide to applying on the official website.
Apply on the official website →
Read the requirements and steps below first, so you can complete your application on the official website in one go.
Applying online takes a few minutes. Have your address history and income details to hand.
Details ready = quicker application
Existing customers0% balance transfersNo annual fee
📋 Requirements
- Age: You must be aged 18 or over.
- Residency: You must be a permanent UK resident with a UK address history.
- Income: You need an annual income or pension of at least £6,800 before tax.
- Bank account: You must hold a first direct 1st Account.
- Credit check: A full credit check is carried out when you apply; use the eligibility checker first for a soft search.
🚀 How to apply, step by step
- Use the first direct eligibility checker on the official site to see your likelihood of acceptance without affecting your credit score.
- Complete the online application with your personal, address, employment and income details.
- Wait for the decision; if accepted, review and sign the credit agreement, including your rate and credit limit.
- Activate your card when it arrives (or add it to your mobile wallet) and set up a Direct Debit for at least the minimum payment.
Your rate, credit limit and promotional period depend on the provider's credit and affordability checks; check the summary box before applying.
Apply now on the official website →
General information only, not financial advice. Credit is subject to status and affordability checks by first direct (a division of HSBC UK Bank plc).