Stay alert to scams

first direct and other banks don’t contact customers out of the blue. So, always question uninvited approaches and if you’re not sure, contact an organisation using an email or phone number that you’ve found online. That way you know it’s genuine.

You can learn more by visiting our fraud awareness page.

Credit where it’s due, with cards designed for you

Explore our two credit cards, exclusively for first direct current account customers.
Representative 24.9% APR (variable). Eligibility criteria apply. Credit is subject to status.

For Balance Transfers

Our Balance Transfer Credit Card is built to help you manage existing debt, with one monthly payment. It could also save you money with a potentially lower interest rate.

Find out more about our Balance Transfer Credit Card

For Purchases

Our Gold Card is built to help spread the cost of your big purchases, so you can buy now and pay for it gradually over time.

Find out more about our Gold Card

Promotional rates are only available to first direct current account holders who haven't had a Credit Card or Gold Card with us over the last six months.

At the end of the promotional period the rate will change to the standard variable rate that applies at the time.

Balances can’t be transferred from all cards, for example those issued by members of the HSBC Group, including HSBC UK, first direct, and M&S Bank.

Read our Terms and Conditions (PDF) before you apply.