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Gold Card - For Purchases

Planning a purchase? Or simply want some flexibility to spread the cost of things you buy? Our Gold Card could be what you’re looking for…

The best bits...

0% interest on purchases*

Spread the cost of purchases and pay no interest for the first 17 months

Low interest rate

Take advantage of our low interest of 16.9% APR representative variable today

Apply in minutes on our App

It's quick and easy to apply on our App. No lengthy forms to complete - because we know you, most of your info is pre-filled

Representative example

Assumed credit limit Representative APR Purchase rate
Assumed credit limit

£1,200

Representative APR

16.9% APR variable

Purchase rate

16.9% p.a. variable

There's more...

  • start using your card straight away by adding your card to Apple Pay or Google Pay
  • protects 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
  • no annual fee
  • manage your card easily and securely with our App

*The rate for purchases is 0% interest for 17 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.

How to apply for a Gold Card

Existing Customers

Logon to our App or Online Banking and go to ‘Products’.

Log on to Online Banking

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

Lines are open Mon to Thur 8am to 10pm, Fri 8am to 9pm, Sat 8am to 8pm, Sun 9am to 8pm. 


New to first direct

Download our App on a compatible device to open an account, and start banking wherever you are.

Before you apply

You'll find more information in the Gold 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.)