first direct's credit card for 1st Account holders, with a 0% balance transfer offer and no annual fee.
Compare the representative APR, any introductory offers and fees, and see whether the card suits the way you spend and repay.
Look at the APR, how long any 0% offer lasts and the fees before you choose a card.
Benefits of the first direct Credit Card
- 0% transfers: 20 months interest-free on balances transferred within 90 days.
- Quick application: Apply in minutes for existing customers.
- Mobile wallets: Make payments immediately with Apple Pay and Google Pay.
- Generous limits: first direct quotes an average accepted limit of around £7,800 (2025 data).
| Feature | Detail |
|---|---|
| Representative APR | 24.9% APR (variable) |
| Intro offer | 0% on balance transfers for 20 months (within 90 days) |
| Balance transfer fee | 2.99% (minimum £5) |
| Annual fee | None |
| Eligibility | 1st Account holders aged 18+ with income/pension of £6,800+ |
Key features
0% transfers: 20 months interest-free on balances transferred within 90 days.
Quick application: Apply in minutes for existing customers.
Mobile wallets: Make payments immediately with Apple Pay and Google Pay.
About first direct (a division of HSBC UK Bank plc)
first direct (a division of HSBC UK Bank plc) is an established UK card issuer, authorised and regulated in the UK. You can check eligibility and apply online.
We compare independently and then send you to the issuer’s official website to apply. We are not a lender or credit broker.
Rates, limits and offers depend on your circumstances and are set by first direct (a division of HSBC UK Bank plc). Representative APR shown where available.