Credit where it’s due, with cards designed for you

Exclusively for first direct current account customers. Eligibility criteria apply. Credit is subject to status.

For bringing a little balance

Balance Transfer Credit Card

  • Built for balance transfers
  • 0% interest on balance transfers for the first 20 months.* 2.99% fee (minimum £5)
  • Apply in minutes with no lengthy forms

Representative example: Based on an assumed credit limit of £1,200. Representative 24.9% APR variable. Purchase rate 24.9% p.a. variable.

*When you make a balance transfer within 90 days of opening your account.

For those bigger buys

Gold Card

  • Built for spreading the cost
  • 0% interest on purchases within the first 12 months
  • No annual fees

Representative example: Based on an assumed credit limit of £1,200. Representative 24.9% APR variable. Purchase rate 24.9% p.a. variable.

Promotional rates are only available to first direct current account holders who haven't had a credit card or Gold Card with us over the last six months.

At the end of the promotional period the rate will change to the standard variable rate that applies at the time.

Balances can’t be transferred from all cards, for example those issued by members of the HSBC Group, including HSBC UK, first direct, and M&S Bank.

Read our Terms and Conditions (PDF) before you apply.