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Credit Card - For Balance Transfers

Paying interest on existing cards? This could be the card for you. Save on interest while you pay things off by moving your balances to our Balance Transfer Credit Card.

The best bits...

0% interest on balance transfers*

We'll take care of the interest, so you can focus on paying off your total with no interest for 20 months. 2.99% balance transfer fee (minimum £5) applies in the first three months

Protect your purchases

if a supplier stops trading or doesn’t deliver what's expected, we can help get a refund. Find out more about Section 75

Take control of your finances

With one simple monthly payment

Representative example

Assumed credit limit Representative APR Purchase rate
Assumed credit limit


Representative APR

24.9% APR variable

Purchase rate

24.9% p.a. variable

There's more...

  • apply in minutes on our app - because we know you, it's quick and easy to apply
  • start using your card straight away by adding your card to Apple Pay or Google Pay
  • 2.99% balance transfer fee (minimum £5)
  • manage your card easily and securely with our App

*The rate for balance transfers is 0% interest for 20 months from opening your account. At the end of the promotional period the rate on the outstanding balance will change to the standard variable rate that applies at the time.

Transferring balances is easy

Once you've received your card you can contact us through our App - go to 'Help' and select 'Chat now'. Or in Online Banking, select 'Message us'. Start your message with ‘I want to complete a Balance Transfer’ and we’ll be able to help you with your request. Transfer requests received after 3.30pm or on a weekend or bank holiday will be processed the next working day. If we approve your request, payment will reach your other credit or store card provider by the end of the next working day 

A Balance Transfer fee of 2.99% (min £5) will be charged for each transferred balance made within 90 days of opening your account. After 90 days, the fee will be set out if we send you a balance transfer offer.

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. This includes Marks & Spencer Financial Services plc. We can't transfer from all cards, for example, some store cards.

How to apply for a Gold Card

Existing Customers

Log on to our App or Online Banking and go to ‘products’. If you want to apply for a loan in the App, you'll need to make sure you're on the latest version. Please visit the App Store for your device to upgrade.

Log on to Online Banking

New to first direct

Apply for our current account, and start banking wherever you are.

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 or Gold Card within the last six months. As you'd expect, credit is subject to status.

Who can apply?

All we ask is that you can say yes to everything below:

  • You’re 18 or over
  • You are a UK resident and live permanently in the UK
  • You have an annual income/pension before tax of £6,800 or more
  • You haven’t been declared bankrupt or registered for an Individual Voluntary Agreement in the last 6 years (or in the process of doing so.)