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first direct: Credit Card reviews

Name: Credit Card
Rating: 4.36 (25 reviews)

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4.24

Based on 25 reviews, last reviewed 5th Feb 2025

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

68%

16%

2 star

Latest highest rating:

5

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

Latest lowest rating:

1

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

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About this product

First Direct Credit Card reviews can help you to find out about the pros and cons of this credit card. What kind of features do First Direct customers like? Find out more about the First Direct Credit Card by reading our trusted Smart Money People reviews. You can also write your own First Direct Credit Card review to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

first direct Credit Card reviews (25)

Review of the first direct, Credit Card:

Easy to use

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

No automated service!

Since changing to First direct from Halifax back in January there's been nothing but praises for this company. i've not had to complain at all. whenever i call up there's no automated service you get put through to a real person straight away. waiting times for calls are minimal. If i need any questions answered in a few days i can send a secure message and recieve a message back. With regards to credit limit all i need to do every month is send them an email with the credit limit i want to decrease to and this is done within a couple of days. Reviewed on: 8th November 2017

Lovin' it

It was really easy to sign up and when I had to ring up to confirm my details I was through INSTANTLY, no long waiting times. There's a reason they're rated so highly for customer service, and the lady I spoke to was lovely and really helpful getting me set up. Reviewed on: 7th November 2017

First Class service

I needed a credit card quite quickly as I had given them up 10 years ago, when I had 9, I think I was supporting the Credit Card system on my own. First Direct were very fast and have given excellent service since then. My Credit Card is no longer a burden, but a positive tool. Reviewed on: 7th November 2017

Beware of First Direct Offset Mortgages

I had an offset mortgage with first direct in 2000. I made overpayments on the understanding that I can have access to surplus funds at any time as long as I kept paying monthly instalments regularly. When I needed a lump sum from my overpayments to do home renovations after 17 years of regular payments, they bluntly refused on the pretext that a second charge was applied on my mortgage!!! Morale: Avoid First Direct Offset Mortgages! If you have to take one with First Direct, never make overpayments. Your savings will go into a black hole and you will never see this money again!! Beware!!! Reviewed on: 11th August 2017

Easy to apply, quick to receive and great incentive

I switched to a First Direct credit card recently. they offer £30 completely free when you spend £500 or more in 90 days on your card. I always use my credit card for most purchases ( paying it off every month in full) so this is real money for free! Excellent customer service too. Reviewed on: 10th August 2017

Fantastic customer service shines above the rest. App could do with an update.

I have a credit card and current account with First Direct. Their customer service is second to none. Calls are answered quickly, queries are resolved swiftly and explained in a way that I understand. Being online only is not a problem at all with customer service as high as this. I do find the App and online banking clunky but love the weekly update texts which keep me well informed. Other banks need to look to First Direct as inspiration to up their game! Well done First Direct. Reviewed on: 13th May 2017

Fantastic customer service shines above the rest. App could do with an update.

I have both a credit card and current account with first Direct. Their customer service is second to none. Calls are answered quickly, queries are dealt with swiftly and painlessly and always explained in a way that I fully understand. My only gripe is the app is a little clunky to use as is the online application. Other banking rivals could learn a lot from this provider's excellent to customer service. Reviewed on: 13th May 2017

Advised of when my card was cloned

Quick response when on holiday and oppertunity to get emergency cash Reviewed on: 7th May 2017

Quick and easy

Really easy and quick process to apply for and receive a credit card, set up payments, and increase the limit when I needed to. Reviewed on: 1st May 2017

Good rates

Great 24/7 customer service is available and the interest rates are competitive. Reviewed on: 20th April 2017

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first direct: Credit Card reviews

100% increase in 5 star reviews

No new 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

first direct Credit Card reviews (25)

Easy to use

No automated service!

Lovin' it

First Class service

Beware of First Direct Offset Mortgages

Easy to apply, quick to receive and great incentive

Fantastic customer service shines above the rest. App could do with an update.

Fantastic customer service shines above the rest. App could do with an update.

Advised of when my card was cloned

Quick and easy

Good rates

Do you have a different first direct product?

There's still more to see!

Join Smart Money People

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