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Credit Card - For Balance Transfers

27 months* interest free on balance transfers

Stop paying interest on other credit card balances - transfer them over to us. You won't pay a penny in interest for the next 27 months* (2.29% fee, min £5), which could help you clear your commitments faster.

  • £20 cashback when you transfer at least £1,500 with a first direct Credit Card within the first 3 months of opening your account†
  • representative 18.9% APR variable
  • 0% interest on balance transfers for 27 months from account opening*
  • 2.29% balance transfer fee (minimum £5) applies to balances transferred in first three months
  • no annual fee
  • cashback offers with Visa Offers
  • £500 Minimum credit limit (subject to status)
  • Apple Pay and Google Pay compatible
  • use your card to make contactless transactions
  • Available to existing 1st Account holders only

Representative example

Assumed credit limit Representative APR Purchase rate
Assumed credit limit

£1,200

Representative APR

18.9% APR

variable

Purchase rate

18.9% p.a.

variable

*The rate for balance transfers is 0% interest for 27 months when you make a balance transfer within three months of opening your account. After 27 months the rate for the transferred balance will change to the standard variable rate that applies at the time.

Transferring balances is easy

Once you've received your card, give us a call any time, night or day on 03 456 100 100 - transfer requests received after 3.30pm or on a weekend or bank holiday will be processed the next working day, and it can take up to five working days for the money to reach your other credit or store card provider.

A Balance Transfer fee of 2.29% (min £5) will be charged for each transferred balance made within three months of opening your account. After three months, this fee will be at the full rate.

Sorry - we can't transfer balances between cards operated by members of the HSBC Group, including HSBC UK Bank plc, its subsidiaries, associated and affiliated companies. These include Marks & Spencer Financial Services plc and John Lewis Financial Services Limited.

How to apply for a Credit Card

Existing Customers

Download or log on to our App and go to 'Products'. You can apply or simply get a commitment-free quote without a credit search.

If you would prefer to speak to us, please call us on:


New to first direct

This product is only available to first direct Current Account customers (you're more than welcome to join us...)

More about our current account

Before you apply

You'll find more information in the Credit Card summary box and repayments illustration tabs on this page.

Please also read the following information before you apply:

If you know there are changes to your personal circumstances coming up - like maternity leave, a change in disposable income or a new job - or you are on a temporary or zero hours contract, please apply by telephone on 03 456 100 100.

This promotion is only available to first direct Current Account holders who haven't had a first direct Credit Card within the last six months. As you'd expect, credit is subject to status.