Credit Card

Whatever the occasion, your first direct Credit Card is designed to make your life simple. So take a closer look at what's on offer.

• 0% p.a. on Balance Transfers* for 15 months if you transfer a balance from a competitor credit or storecard (excluding members of the HSBC Group) within two months of account opening. The introductory Balance Transfer rate commences from the date of the first balance transfer. A Balance Transfer fee of 2.9% (minimum £5) will be charged to all transfers
• at the end of the 15 month promotional period Balance Transfers will revert to the standard variable rate - typical 19.9% APR variable
• fully integrated with your first direct 1st Account
• keep track of your account with 24 hour, 365 day phone and internet banking access
• no annual fee
• card discounts available - see our latest offers for more detail
• use for buying goods abroad
• it's easy to apply online. What are you waiting for?

*We will not transfer balances between cards operated by members of the HSBC Group. Any request to do so will not be processed. The HSBC Group means HSBC Bank plc, its subsidiaries, associated and affiliated companies and includes Marks & Spencer Money and John Lewis Partnership Card.

find out about key product features of the first direct Credit Card