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Visa2/4 on file
✓ Annual fee checked
first direct · Visa

first direct Balance Transfer Credit Card

Balance TransferLow InterestNo Annual Fee

The first direct Balance Transfer Credit Card is a Visa card from first direct with an annual fee of £0. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: annual fee (Sep 2026), purchase APR (Sep 2026). Not yet checked with first direct: credit requirement. first direct’s own page is authoritative — confirm anything you rely on there before you apply.

Annual fee£0per yearChecked firstdirect.com
Apply on first directCompare this card
Opens first direct’s site
Ledger entry

The receipt

Every cost line we hold for the first direct Balance Transfer Credit Card, exactly as recorded.

Annual fee
£0Checked firstdirect.com
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
24.9%Checked firstdirect.com
Income requirement
Not confirmed
Network
Visa
Credit needed
NoneNot yet checked with first direct
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the first direct Balance Transfer Credit Card. That may mean there isn’t one, or simply that we have not recorded it — first direct’s own page is the place to check.

We couldn't verify this · check with the issuer
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the first direct Balance Transfer Credit Card. Rather than print a multiplier we cannot source, this stays blank until first direct’s own terms give us one.

Issuer restricts access — check their site
Included

Perks & benefits

Card benefits

  • No annual fee
  • 0% interest on balance transfers for the first 20 months when transferred within 90 days of account opening
  • Manage existing debt with one monthly payment
  • Apply in minutes with no lengthy forms
  • Make payments using Apple Pay and Google Pay
Next step

Ready to apply for the first direct Balance Transfer Credit Card?

You'll finish the application on first direct's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens first direct’s site
Questions

Questions about the first direct Balance Transfer Credit Card

How much is the first direct Balance Transfer Credit Card annual fee?

The first direct Balance Transfer Credit Card has an annual fee of £0. Weigh that against the rewards and perks you will actually use.

What does the first direct Balance Transfer Credit Card earn?

first direct's site restricts automated access, so we could not read the first direct Balance Transfer Credit Card's earn rates and do not print a multiplier. Check them on first direct's own site.

What network is the first direct Balance Transfer Credit Card on?

The first direct Balance Transfer Credit Card runs on the Visa network, which determines where it is accepted and which network-level benefits apply.

Is the first direct Balance Transfer Credit Card available in United Kingdom?

Yes — the first direct Balance Transfer Credit Card is issued by first direct and is available to eligible applicants in United Kingdom. Approval depends on the issuer's own credit and income criteria.

When were the first direct Balance Transfer Credit Card figures last checked?

We checked its annual fee in September 2026 and its purchase APR in September 2026, each against a published document. Not yet checked with first direct: credit requirement. first direct's site restricts access, so we could not check: earn rates. We could not verify, so we do not print: foreign transaction fee and welcome offer. Check them with first direct. Terms can change without notice, so confirm the current details with first direct before you apply.