First Direct Visa Credit Card (Black) Ex/C Only

Compare the First Direct Visa Credit Card (Black) Ex/C Only with the UK's best credit cards, including card details, application criteria, introductory rates, rates, benefits and fees & charges.

First Direct Visa Credit Card (Black) Ex/C Only Details

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Provided By First Direct

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First Direct Visa Credit Card (Black) Ex/C Only Features & Benefits

(currently displaying summary information only)

Feature / Benefit	Summary	Details
Card Details:
Type of Card	Visa	This item is only available as a Visa card
Instant Online Decision	yes	An instant online decision is available to applicants.
Application Criteria:
Permanent UK Resident	yes	This product is only available to individuals who are permanent UK residents.
Minimum Age	18 years	Minimum age for applicants is 18 years.
Minimum Income	£0	There is no minimum income required.
Introductory Rates:
Intro Balance Transfer Rate	0%	The introductory rate for balance transfers is 0.0% APR. Subject to the transfer being made in the first 2 months with a minimum of £500.
Intro Balance Transfer Duration	15 months	6 months
Intro Balance Transfer Fee	2.9%	Introductory balance transfer fee of 2.90% applied.
Minimum Intro Balance Transfer Fee	£2.90	A minimum introductory balance transfer fee of £2.90 is applied.
Intro Balance Transfer Window	2 months	Balance transfers made within 2 months will receive the introductory offer associated with this card.
Intro Balance Transfer Offer Begins	when balance transfered	The introductory balance transfer offer duration begins when balance transfered.
Intro Purchase Rate	20%	The introductory rate for purchases is 20.0%. Subject to a balance transfer being made in the first 2 months with a minimum of £500.
Intro Purchase Duration	6 months	6 months
Intro Balance Transfer Availability	during fixed term	The introductory balance transfer offer can be taken during fixed term.
Standard Rates:
Typical APR	19.9%	The typical APR is 19.9% p.a.
Cash Advance Rate	24.8%	The annual interest rate for cash advances is 24.8%.
Benefits:
Cashback & Rewards Credit Card	no	no
Cashback Reward	no	A cashback reward scheme is not available.
Reward Points	no	No points scheme offered
Air Miles	no	No travel reward programme available
Shopping Rewards	no	No shopping reward program available.
Choice of Card Design	no choice	No choice of card design is available.
Payment Protection	yes	Credit Card Balance Protector The balance protector provides life cover ensuring any outstanding balance, up to a maximum of £15,000, less any arrears,...expand Credit Card Balance Protector The balance protector provides life cover ensuring any outstanding balance, up to a maximum of £15,000, less any arrears, is repaid in the event of death. In addition, in the event of unemployment or disability, 10% of the outstanding balance will be repaid each month, subject to a maximum of £1,500, for up to 12 months in any one claim. Any outstanding balances greater than £15,000 are not covered by this policy. The customer is eligible if they are a UK resident, 18 or over and under 65 and in employment for at least 16 hours per week. Special conditions apply if they are self-employed, are in temporary or fixed-term contract work and/or have a pre-existing medical condition.collapse
Travel Insurance Cover	£0	Travel Insurance is not available.
Lost Luggage Cover	no	Lost luggage cover is not available.
Fees & Charges:
Annual Fee	£0	There is no annual fee
Interest Free Period	56 days	Up to 56 days interest free period.
Minimum Repayment %	3%	The minimum amount you must repay will be the greater of £5 or 3% of the balance shown, or the total balance if it is less than £5
Minimum Repayment £	£5	You must pay at least 3% of the amount shown on the Account statement as outstanding or £5 (or the full amount if less than £5)
International Charges	2.99%	Transactions made in foreign currencies within Europe are charged a 2.99% fee.
Late Payment Charge	£12	A charge of £12.00 will be made if the issuer does not receive its minimum required payment from the cardholder by the date on which it is due.

Feature / Benefit	Details	Rating out of 5
Application Criteria:
Permanent UK Resident	yes	This product is only available to individuals who are permanent UK residents.
Existing Customers Only	yes	yes
Minimum Age	18 years	Minimum age for applicants is 18 years.
Minimum Income	£0	There is no minimum income required.
Credit Rating	good	Most suited to individuals who have an average income and a recent credit history free from credit defaults, arrears, CCJs or missed payments. The majority of credit card applicants can be described as having a good credit rating.

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