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Gold Card - For Purchases

17 months* interest free on purchases

If you need to use a credit card, it makes sense to pay as little interest as possible. Take out a new first direct Gold Card today and pay 0% interest on all purchases for 17 months*.

  • representative rate of 16.9% APR variable
  • 0% interest on purchases for 17 months from account opening*
  • no annual fee
  • Apple Pay and Google Pay compatible
  • use your card to make contactless transactions
  • £500 minimum credit limit (subject to status)
  • Available to existing 1st Account holders only

Representative example

Assumed credit limit Representative APR Purchase rate
Assumed credit limit


Representative APR

16.9% APR


Purchase rate

16.9% p.a.


*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

Our exclusive Regular Saver Account is only available if you already have a first direct current account. Join us and get access to one of our best rates available to savers.

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.)