credit cards

It's understated, it's always in fashion, and it goes with absolutely everything. The little black card from first direct is the perfect accessory for every day of your life.

Plus if you take out a credit card before 31 May 2008 you could be entered into a prize draw to win a once in a lifetime trip to see the Olympic Games in Beijing. Terms and conditions apply

• 2.9% p.a. on Purchases and Balance Transfers for 6 months providing a minimum Balance Transfer of £500 is made within 2 months of account opening (excluding Balance Transfers from HSBC, HFC and M&S Money)
• a fee of 2.5% (minimum £2.50) applies to all transfers less than £500 or for second and subsequent transfers to the same card company
• a competitive standard rate of typical 17.9% APR variable
• protection against internet fraud on transactions made without your consent
• option of regular text message mini-statements direct to your mobile phone
• fully integrated with your first direct 1st Account
• no annual fee.

and best of all, you don't have to wait another minute. You can apply online now...