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  • FIRST POST
    • Jlawson118
    • By Jlawson118 13th Oct 16, 5:44 PM
    • 385Posts
    • 23Thanks
    Jlawson118
    Which is actually the better credit card? First Direct's Card or their Gold Card?
    • #1
    • 13th Oct 16, 5:44 PM
    Which is actually the better credit card? First Direct's Card or their Gold Card? 13th Oct 16 at 5:44 PM
    I'm just curious, they have two cards, the normal one and the gold one without much of a difference in what they offer..

    Or is there?
Page 1
    • Candyapple
    • By Candyapple 13th Oct 16, 5:57 PM
    • 1,479 Posts
    • 1,174 Thanks
    Candyapple
    • #2
    • 13th Oct 16, 5:57 PM
    • #2
    • 13th Oct 16, 5:57 PM
    They only have 2 credit cards, one is the balance transfer card, the other is a purchases card. It's not that hard to figure out which one is which:
    http://www1.firstdirect.com/1/2/credit-cards
    • Jlawson118
    • By Jlawson118 13th Oct 16, 6:04 PM
    • 385 Posts
    • 23 Thanks
    Jlawson118
    • #3
    • 13th Oct 16, 6:04 PM
    • #3
    • 13th Oct 16, 6:04 PM
    They only have 2 credit cards, one is the balance transfer card, the other is a purchases card. It's not that hard to figure out which one is which:
    http://www1.firstdirect.com/1/2/credit-cards
    Originally posted by Candyapple
    I never even realised that until now..
    • EarthBoy
    • By EarthBoy 13th Oct 16, 8:31 PM
    • 1,563 Posts
    • 904 Thanks
    EarthBoy
    • #4
    • 13th Oct 16, 8:31 PM
    • #4
    • 13th Oct 16, 8:31 PM
    Promoting one card for balance transfers and the gold card for purchases seems to be a recent thing. For a long time the only difference in the two cards was the interest rate, -presumably the gold card was harder to get.

    I have a gold card and I sometimes get balance transfer offers from them, so they certainly don't limit balance transfers to the ordinary card.
    • theburningcat
    • By theburningcat 14th Oct 16, 8:41 PM
    • 55 Posts
    • 10 Thanks
    theburningcat
    • #5
    • 14th Oct 16, 8:41 PM
    • #5
    • 14th Oct 16, 8:41 PM
    Gold card for purchases that comes with no cashback or perks at all...
    • Jlawson118
    • By Jlawson118 15th Oct 16, 12:23 AM
    • 385 Posts
    • 23 Thanks
    Jlawson118
    • #6
    • 15th Oct 16, 12:23 AM
    • #6
    • 15th Oct 16, 12:23 AM
    Gold card for purchases that comes with no cashback or perks at all...
    Originally posted by theburningcat
    Yeah, the no perks thing does let it down slightly. But I've only just signed up for it to get the £25 incentive that they're offering for using Apple and/or Android Pay, otherwise it's probably just going to sit in my wallet and not really do much after that
    • Doctor Duke
    • By Doctor Duke 15th Oct 16, 7:35 AM
    • 256 Posts
    • 106 Thanks
    Doctor Duke
    • #7
    • 15th Oct 16, 7:35 AM
    • #7
    • 15th Oct 16, 7:35 AM
    The parent HSBC also has a £30 incentive via MS link for a balance transfer. HSBC tend to do these incentives (including FD) from time to time but their interest periods and fees are not market leading.
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