First Direct: Credit Card

Provider:First Direct
Card Name:Credit Card
Networks available:Visa
Credit Card
First Direct was voted a trusted provider in the latest Moneywise Consumer Opinion Survey
Rates & Fees
Introductory offers
Intro balance transfer rate0%
Intro balance transfer period0% for 27 months
Intro balance transfer fee2.29%
Intro purchase rate0%
Intro purchase periodno intro offer
Other rates and fees
Representative APR18.9% APR (Representative)
Interest free period56 days
Interest charged fromdate of trans debit
Annual fee£0
Interest on cash withdrawals24.7%
Charges and payments
Charge on overseas spending2.99%
Charge on cash withdrawals2.99% of withdrawal (minimum £3)
Charge for going over limit£12
Charge for late payment£12
Charge for returned payment£5
Rewards & Benefits
Spending Rewards
Cashback Rewards-
Points Scheme-
Shopping Rewards-
Charity Rewards-
Other IncentivesFree mini statements If the cardholder is a mobile phone user they can take advantage of a unique free service to help keep track of their spending. First Direct can send them regular mini-statements direct to their mobile detailing their Credit Card balance and the last 5 transactions.
Cardholder benefits
0% on overseas purchasesCheck
Travel insurance-
Warranty cover-
Purchase protection-
Internet fraud protectionFraud Detection System State of the art technology will look for any unusual activity on the account in order to help protect the cardholder from fraud. Zero Online Fraud Liability When First Direct credit card is used online, the cardholder is protected against internet fraud and won't be charged for online transactions undertaken without their authority.
Opening and managing the account
Application information
Minimum age18 years
Minimum income£0 per annum
Credit ratingPrime
Existing customers only-
Additional account requiredCustomers are required to have a 1st Account in order to apply for the Credit Card.
Apply onlineCheck
Maximum credit limit£0
Account services
Manage onlineCheck
Cheque bookCheck