As good as gold

The everyday spend Gold Card for spreading the cost, boosting your credit, and those other unexpected emergencies

During the first 12 months, the purchase rate is 0% interest. At the end of this promotional period the rate on your outstanding balance will change to the standard variable rate at the time.

Here's a representative example:

Based on an assumed credit limit of £1,200

Representative APR - 24.9% APR (variable)
Purchase rate - 24.9% p.a (variable)

There's more information on how this all works in our credit card summary box.

Before you apply

Useful information

The below might not be the most interesting, but it’s definitely important you have a read before applying.

If you know there’s going to be changes to your personal circumstances, like maternity leave or changes to your employment, please apply by phone on 03 456 100 100.

This promotion is 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. Credit is subject to status.

Gold Card Summary Box

Repayment illustration

What you can expect to pay

We all know it makes financial sense to pay more than the minimum payment whenever possible.

Take a look at the example below (which includes introductory rates), for a hypothetical purchase of £1,000 on your Gold Card. If you only make the minimum payment each month, it will take you much longer to clear your balance and will cost you more.


	Minimum payment each month	£50 payment each month	£100 payment each month
Interest you'd pay in the 1st year	£0.00	£0.00	£0.00
Interest you'd pay in the 2nd year	£161.74	£41.61	£0.00
Length of time to clear the balance	18 years	1 year, 9 months	11 months

The above example makes a number of assumptions, including:

- The transaction took place on first day of January

- The credit card statement was produced 31 days later

- No further transactions were made on the card

- Payments were made on the 15th day of every month

- Interest is calculated based on the representative 24.9% APR variable rate

- Introductory rates are included

If you set up a recurring transaction (sometimes called a continuous payment authority), for a regular payment like this, it’s seen as an agreement between you and the retailer – so, unfortunately, it won’t be covered by the Direct Debit Guarantee.

*Purchase protection with Section 75 on purchases between £100 and £30,000

Ready to apply?

If you're happy with how that all sounds, the easiest way to apply is using the first direct App.

Head to the App to get started.

Scan the QR code to open up the App

Apply now

As good as gold

Credit where it’s due

How does it work?

Who can apply?