Write a review

Newsletter

Go to business site

first direct: Credit card reviews

Name: Credit card
Rating: 4.26 (27 reviews)

View other first direct products

4.26

Based on 27 reviews, last reviewed 11th Jun 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

67%

15%

Latest highest rating:

5

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

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

Read all reviews Write a review

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 is 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.

Review first direct: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

first direct Credit card reviews (27)

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

Great Credit Card

Had no problems since signing up. Customer service is excellent and the smartphone app makes keeping track really easy Reviewed on: 19th June 2019

Do you have a different first direct product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit Card
from Bank of China (UK) 4.12 from 2 reviews
Marbles Credit Card
from NewDay 4.32 from 542 reviews
American Express Credit Card
from American Express 3.71 from 120 reviews

Want to see more from first direct?

Regular Saver Account
from first direct 4.76 from 149 reviews
Current account
from first direct 4.74 from 1494 reviews
Bonus Saving Account
from first direct 4.68 from 58 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub