The First Direct 1st Credit Card offers straightforward credit card banking with competitive rates and no annual fee, backed by award-winning customer service available 24/7.
How to Qualify for the First Direct Credit Card
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Age and residency: You must be at least 18 years old and a UK resident with a permanent UK address. This ensures applicants have the legal capacity to enter into credit agreements and that First Direct can verify your identity and credit history through UK credit reference agencies.
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Credit history assessment: First Direct will conduct a credit check when you apply. Whilst there's no published minimum credit score, having a good credit history with a track record of managing credit responsibly will improve your chances of approval and may secure you a better interest rate.
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Financial stability: You'll need to demonstrate regular income and the ability to make monthly repayments. First Direct assesses your income, existing financial commitments, and overall affordability to ensure you can comfortably manage the credit card.
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Existing customer benefits: Whilst you don't need to be an existing First Direct customer to apply, current customers may benefit from preferential rates and a smoother application process as First Direct already has your banking information and history.
Required Documentation
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Proof of Identity: A valid passport, UK driving licence, or other government-issued photo ID to confirm your identity.
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Proof of Address: Recent documents dated within the last three months, such as utility bills, council tax statements, bank statements, or mortgage statements showing your current UK residential address.
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Income Verification: Recent payslips (typically the last three months), P60 tax form, or bank statements showing regular income deposits. Self-employed applicants may need to provide tax returns or certified accounts.
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Credit Check Authorisation: You must authorise First Direct to perform a credit check with UK credit reference agencies such as Experian, Equifax, and TransUnion. This check will assess your credit history and help determine your credit limit and interest rate.
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Employment Information: Details of your current employment status, employer name, occupation, and length of employment to help assess your financial stability and ability to make repayments.
Understanding the Costs
It's essential to understand the costs associated with the First Direct 1st Credit Card to make an informed decision:
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Introductory Purchase Rate: 0% interest on purchases for the first 12 months from account opening, allowing you to spread the cost of larger purchases interest-free during this period.
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Standard APR: Representative 24.9% APR (variable) applies to purchases after the 0% introductory period ends. Existing First Direct customers may be offered lower rates depending on their circumstances and credit profile.
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No Annual Fee: The First Direct 1st Credit Card has no annual fee, making it cost-effective to hold and use regularly without worrying about ongoing charges.
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Cash Withdrawal Charges: Cash advances attract a fee (typically 2.99% with a minimum charge) and start accruing interest immediately at the cash rate. Avoid using your credit card for cash withdrawals where possible.
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Late Payment Charges: A fee (currently £12) applies if you miss a payment or don't pay at least the minimum amount due by the payment due date. Late payments can also negatively affect your credit score.
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Foreign Transaction Fees: A non-sterling transaction fee (typically 2.99%) applies when you use your card abroad or make purchases in foreign currencies. Consider this if you travel frequently or shop from overseas retailers.
Benefits and Features
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24/7 Award-Winning Service: Access First Direct's renowned UK-based customer service team any time of day or night. First Direct consistently ranks highly for customer satisfaction and service quality.
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Digital Banking: Manage your account through First Direct's highly-rated mobile app and online banking platform, giving you real-time access to your balance, transactions, and statements.
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Security Features: Advanced fraud protection with real-time transaction alerts, secure online shopping with 3D Secure verification, and zero liability for unauthorised transactions.
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Section 75 Protection: Legal protection for purchases between £100 and £30,000 under the Consumer Credit Act, giving you additional recourse if something goes wrong with a purchase.
Application Process
Applying for the First Direct 1st Credit Card is straightforward and can be completed entirely online:
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Check Eligibility: Before applying, ensure you meet the basic eligibility criteria. You can use First Direct's eligibility checker to see if you're likely to be accepted without affecting your credit score.
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Complete Application: Fill in the online application form with your personal details, employment information, income details, and financial commitments. The form typically takes 10-15 minutes to complete.
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Identity Verification: First Direct will verify your identity using electronic checks. You may need to provide additional documentation if electronic verification isn't possible.
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Credit Assessment: First Direct will conduct a full credit check with UK credit reference agencies. This will be visible on your credit file and may temporarily affect your credit score.
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Receive Decision: You'll typically receive an instant decision online. In some cases, First Direct may need to review your application manually, which can take up to 10 working days.
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Card Arrival and Activation: If approved, your card will arrive by post within 5-10 working days. You'll receive your PIN separately for security. Activate your card through online banking, the mobile app, or by calling the activation number.
Frequently Asked Questions
Do I need to be a First Direct customer to apply?
No, you don't need to be an existing First Direct customer to apply for the 1st Credit Card. However, existing customers may benefit from preferential rates and a smoother application process.
What credit score do I need?
First Direct doesn't publish a minimum credit score requirement. However, having a good to excellent credit history will improve your chances of approval and may help you secure a better interest rate. Check your credit report before applying to ensure it's accurate.
Will applying affect my credit score?
Yes, a full credit card application involves a hard credit check, which will be recorded on your credit file and may temporarily lower your credit score. However, First Direct offers an eligibility checker that uses a soft search, which won't affect your credit score.
How long does the 0% purchase period last?
The introductory 0% interest rate on purchases lasts for 12 months from the date your account is opened. After this period, the standard purchase APR will apply to any outstanding balance.
What credit limit can I expect?
Your credit limit will be determined based on your credit history, income, and affordability. First Direct will inform you of your credit limit when your application is approved. Limits typically range from £500 to £20,000 or more for those with excellent credit profiles.
Tips for a Successful Application
To maximise your chances of approval for the First Direct 1st Credit Card:
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Check your credit report: Review your credit report for errors and address any issues before applying. You can check your report for free through services like ClearScore, Experian, or Equifax.
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Register on the electoral roll: Being on the electoral register at your current address helps lenders verify your identity and can improve your credit score.
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Avoid multiple applications: Don't apply for multiple credit cards in a short period, as this can negatively impact your credit score and may concern lenders.
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Be accurate and honest: Provide accurate information in your application. Lenders will verify details, and inconsistencies can lead to rejection or account closure.
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Consider your current debt levels: Lenders look at your debt-to-income ratio. Paying down existing debts before applying can improve your chances of approval.
Important Information
Credit is subject to status and affordability. Terms and conditions apply. You must be 18 or over and a UK resident. The representative APR of 24.9% (variable) applies to 51% or more of successful applicants. Your actual rate will depend on your individual circumstances and credit history. 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. Please check the official First Direct website or contact their customer service team for the most current product information and terms.
