Credit Cards

	Key Features	Representative Example
Balance transfers Credit Card Learn moreabout our Credit Card Applyfor our Credit Card	Refunded balance transfer fee from our usual 2.29% to 0.99% (conditions apply) with a first direct Credit Card† 0% interest on balance transfers for 27 months 2.29% balance transfer fee (minimum £5) applies to balances transferred in first three months no annual fee £500 minimum credit limit (subject to status) available to existing 1st Account holders only cashback offers with Visa Offers	Representative example Based on an assumed credit limit of: £1,200, our 18.9% rate p.a. gives a representative rate of 18.9% APR variable. Learn more about our Credit Card
Purchases Gold Card Learn moreabout our Gold Card Applyfor our Gold Card	£20 cashback when you spend at least £1,000 with a first direct Gold Card† 0% interest on purchases for 17 months no annual fee minimum limit £500 (subject to status) available to existing 1st Account holders only cashback offers with Visa Offers	Representative example Based on an assumed credit limit of: £1,200, our 16.9% rate p.a. gives a representative rate of 16.9% APR variable. Learn more about our Gold Card

Are you eligible?

Promotional rates are 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.

Read our Terms and Conditions opens a new window and our †Credit Card and Gold Card Offer Terms and Conditions opens a new window before you apply.

What happens at the end of the promotional period?

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

Balance transfers

Once you've received your card, log on to Online Banking opens a new window and select 'Service request' and choose 'Balance transfer' from the left hand menu. Or call us any time, night or day on 03 456 100 100 - transfer requests received after 3.30pm or on a weekend or bank holiday will be processed the next working day, and it can take up to five working days for the money to reach your other credit or store card provider.

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. These include Marks & Spencer Financial Services plc and John Lewis Financial Services Limited.