First Direct Credit Card: Straightforward Banking with Competitive Rates
The First Direct 1st Credit Card combines the bank's renowned customer service with competitive credit card features, including 0% interest on purchases for 12 months and low ongoing rates for existing customers.
First Direct has built its reputation on straightforward banking and exceptional customer service, and the 1st Credit Card continues this tradition. Designed for customers who value simplicity and transparency, this card offers a competitive package without complicated rewards schemes or hidden fees. Whether you're planning a significant purchase or looking for a reliable everyday credit card, the First Direct 1st Credit Card delivers clarity and value.
Interest-Free Purchases for Your First Year
The standout feature of the First Direct 1st Credit Card is the generous 12-month 0% interest period on purchases. This introductory offer allows you to spread the cost of essential purchases—from home improvements to major appliances—without paying interest during your first year. Whether you're furnishing a new home, upgrading technology, or covering unexpected expenses, this interest-free period provides valuable financial flexibility. After the introductory period ends, a competitive standard rate applies, with existing First Direct customers often benefiting from preferential rates.
No Annual Fee Means Better Value
Unlike many credit cards that charge annual fees, the First Direct 1st Credit Card comes with no annual fee whatsoever. This means you keep more of your money and can use the card as much or as little as suits your needs without worrying about justifying an annual charge. For those who want a reliable credit card without ongoing costs, this feature makes the First Direct card an attractive proposition, particularly when combined with its competitive interest rates and excellent service standards.
Digital Banking Made Easy
First Direct pioneered telephone and digital banking in the UK, and this expertise is evident in the seamless management of your credit card account. Through the award-winning First Direct mobile app and online banking platform, you can monitor your spending, make payments, check your balance, and manage your account from anywhere at any time. The intuitive interface makes it simple to stay on top of your finances, with real-time transaction notifications keeping you informed about every purchase. Security features including fingerprint and face recognition ensure your account remains protected whilst providing convenient access.
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Legendary Customer Service
First Direct consistently ranks as one of the UK's most recommended banks, largely thanks to its outstanding customer service. Available 24 hours a day, 365 days a year, First Direct's UK-based customer service team is renowned for being helpful, efficient, and genuinely interested in solving your queries. Whether you need assistance with a transaction, want to discuss your account, or have a question about your card, you'll speak to a real person who can help—no complicated phone menus or frustrating automated systems. This level of service, combined with consistently quick answer times, means you're never far from help when you need it.
Additional Features for Peace of Mind
Representative Example
Representative 24.9% APR (variable). Representative example: If you borrow £1,200 at a purchase rate of 24.9% p.a. (variable) and make 12 monthly payments of £112.01, you will pay back £1,344.12 in total. The total cost of credit will be £144.12. Interest is charged from the date of each transaction unless you pay your balance in full within the interest-free period or payment due date. After the 0% introductory period, interest will be charged on outstanding balances.
Who Is This Card Right For?
The First Direct 1st Credit Card is particularly suitable for those who value straightforward banking, excellent customer service, and competitive rates without unnecessary complications. It's ideal if you're planning a significant purchase and want interest-free time to pay it off, or if you're an existing First Direct customer looking to benefit from potentially lower rates. The lack of an annual fee makes it cost-effective for regular use, whilst the 24/7 customer service provides peace of mind that help is always available when you need it. This card suits customers who appreciate First Direct's digital-first approach and want a reliable, well-supported credit card that does exactly what it says on the tin.
Important Information
Credit is subject to status and affordability. Terms and conditions apply. You must be 18 or over and a UK resident. First Direct is a division of HSBC UK Bank plc. HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. This information is for general guidance only and does not constitute financial advice. We recommend seeking independent financial advice if you're unsure about whether this product is suitable for your circumstances.