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first direct: Credit card reviews

Name: Credit card
Rating: 4.29 (28 reviews)

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4.29

Based on 28 reviews, last reviewed 2nd Sep 2026

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

68%

14%

Latest highest rating:

5

Humans on the phone! It's easy to speak to a person, no layers of ai and "press 1 if your call is about..." Reviewed on: 2nd September 2026

Latest lowest rating:

2

I found very complicated paying the credit card. I found very complicated paying the credit card. I had a direct debit which failed, and doing a one off payment was not straight forward. Reviewed on: 11th March 2025

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About this product

The first direct balance transfer credit card gives you 0% interest charges for a period of time.

You’ll be charged a balance transfer fee. You can apply for a first direct balance transfer credit card if you have a 1st Account and there's a minimum income amount required from a wage or pension.

first direct balance transfer credit card reviews help you find out what it’s really like to be a customer. If you’ve used first direct before, you can also leave a review and share your experience.

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first direct Credit card reviews (28)

Humans on the phone!

It's easy to speak to a person, no layers of ai and "press 1 if your call is about..." Reviewed on: 2nd September 2026

Helpful staff on phone, app easy to navigate and sim...

Helpful staff on phone, app easy to navigate and simple application process Reviewed on: 11th June 2026

I found very complicated paying the credit card.

I found very complicated paying the credit card. I had a direct debit which failed, and doing a one off payment was not straight forward. Reviewed on: 11th March 2025

Been with them for many years.

Been with them for many years. Superb customer service and helpline Reviewed on: 5th February 2025

no frills, fraud checks a pain

its a basic credit card with no benefits. it gets blocked by fraud protection too aggressively Reviewed on: 5th April 2023

Easy to use

Never any problems seeing my balance or contacting them. Reviewed on: 13th March 2023

Great value

Reasonable limit, simple enough. They could do with better integration with the current account to simplify paying. Reviewed on: 27th February 2023

Great Bank!

I've been with this 24 hour online bank for the past 25 years and I would recommend them to anyone. They are a great bank and make it easy to bank online, scan cheques and they are always there when you need them. Reviewed on: 20th January 2023

Flawless customer service.

Flawless customer service. I always get the help I need within minutes. I've never called and waiting more than a couple of seconds before I'm speaking to somebody who's willing to help me. Reviewed on: 5th April 2021

Simply the best bank I have ever used

Brilliant customer service, really premium stuff. Card is great value and app is excellent. Reviewed on: 17th February 2021

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