Visa Credit Card (Black)

Visa Credit Card (Black)
  • Provider: First Direct
  • Card Name: Visa Credit Card (Black)
  • Networks available: Visa
  • Card type: standard
  • Issuer: First Direct
View product details by
Introductory offers
Intro balance transfer rate0%
Intro balance transfer period0% for 20 months
Intro balance transfer fee2.9%
Intro purchase rate20.0%
Intro purchase periodno intro offer
Other rates and fees
Representative APR19.9% APR (Representative)
Interest free period56 days
Interest charged fromdate of trans debit
Annual fee£0
Interest on cash withdrawals24.8%
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
Mimimum monthly repayment
Spending Rewards
Cashback Rewards-
Airmiles-
Points Scheme-
Shopping Rewards-
Charity Rewards-
Other IncentivesSpecial 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 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.
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 Black Visa Credit Card.
Apply onlineCheck
Customer service scores
Overall customer service
 
9.4Ranking 1 of 25
Ease of account opening9.5Ranking 1 of 25
Ease of balance transfer9.3Ranking 1 of 25
Fraud protection score9.2Ranking 1 of 25
Online service score9.4Ranking 1 of 25
Call centre service score9.5Ranking 1 of 25
Your level of satisfaction score9.1Ranking 1 of 25
Intention to recommend score8.4Ranking 3 of 25
Number of votes176
Account services
Manage onlineCheck
Text updatesCheck
Cheque bookCheck
Payment protectionCheck
Product data provided by Defaqto