First Direct: Visa Credit Card (Black)
- Provider: First Direct
- Card Name: Visa Credit Card (Black)
- Networks available:
- Card type: standard
- Issuer: First Direct
| Rates & Fees | |
| Introductory offers | |
| Intro balance transfer rate | 0% |
| Intro balance transfer period | 0% for 20 months |
| Intro balance transfer fee | 2.9% |
| Intro purchase rate | 0% |
| Intro purchase period | no intro offer |
| Other rates and fees | |
| Representative APR | 19.9% APR (Representative) |
| Interest free period | 56 days |
| Interest charged from | date of trans debit |
| Annual fee | £0 |
| Interest on cash withdrawals | 24.8% |
| Charges and payments | |
| Charge on overseas spending | 2.99% |
| Charge on cash withdrawals | 2.99% 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 | - |
| Airmiles | - |
| Points Scheme | - |
| Shopping Rewards | - |
| Charity Rewards | - |
| Other Incentives | Special monthly offers Each month all cardholders receive special offers to make holding a first direct Credit Card even more worthwhile. These have included weekend breaks to see a West End Show, free entry to English Heritage sites and a trip to France. Free 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. Free European Flight Upon account opening customers will receive one return flight to one of the following destinations: Paris, Brussels, Amsterdam, Prague, Dublin, Venice, Milan, Barcelona, Madrid, Frankfurt, Rome, Lisbon, Copenhagen, Oslo, Munich or Riga. Offer only available to new customers. Terms and conditions apply. |
| Cardholder benefits | |
| 0% on overseas purchases |  |
| Travel insurance | - |
| Warranty cover | - |
| Purchase protection | - |
| Internet fraud protection | Fraud 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 age | 18 years |
| Minimum income | £0 per annum |
| Credit rating | Prime |
| Existing customers only | - |
| Additional account required | Customers are required to have a 1st Account in order to apply for the Black Visa Credit Card. |
| Apply online |  |
| Account services | |
| Manage online | |
| Text updates | |
| Cheque book | |
| Payment protection | |
| Product data provided by Defaqto |
