first direct Gold Card
first direct

Gold Card

0% Purchase

Key facts
Representative APR24.9% representative (variable)
0% on purchases12 months
0% balance transfers—
Annual fee£0
Foreign transaction fee—
Standard purchase rate24.9%
Representative credit limitaverage £7,800
Airport lounge accessNo airport lounge benefit listed on the issuer’s product page.
Eligibilityfirst direct current account customers only

Source: firstdirect.com/loans-and-cards/credit-cards/for-purchases/ · Last checked 30 October 2026

Figures are as published by first direct when we last checked and may have changed. The rate you’re offered depends on your circumstances. This is general information, not financial advice – read the summary box on the issuer’s site before applying.

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