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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 12 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

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


Representative APR

24.9% APR variable

Purchase rate

24.9% p.a. variable

There's more...

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

*The rate for purchases is 0% interest for 12 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

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 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.)