First Direct credit card, MC or Visa?

spinningsheep

Hi all. Just been approved by First Direct for their gold CC, 12 months 0% on purchases, and I enquired about any charges overseas, and the agent on the phone said the only charges were currency conversion at the "mastercard rate" but I was under the impression their CC were Visa while their debit cards are MC, just threw me, but forgot to ask the question tbf. Have they changed? Can anyone advise? 

dr_adidas01

spinningsheep said:

Hi all. Just been approved by First Direct for their gold CC, 12 months 0% on purchases, and I enquired about any charges overseas, and the agent on the phone said the only charges were currency conversion at the "mastercard rate" but I was under the impression their CC were Visa while their debit cards are MC, just threw me, but forgot to ask the question tbf. Have they changed? Can anyone advise? 

Looks like it’s a visa CC based on there website picture. 

jbrassy

The website suggests it's a Visa card. The summary box says it charges 2.99% non-sterling transaction fee: https://www.firstdirect.com/content/dam/wpb/fsdt/en/documents/pdf/gold-card-summary-box.pdf

DullGreyGuy

spinningsheep said:

Hi all. Just been approved by First Direct for their gold CC, 12 months 0% on purchases, and I enquired about any charges overseas, and the agent on the phone said the only charges were currency conversion at the "mastercard rate" but I was under the impression their CC were Visa while their debit cards are MC, just threw me, but forgot to ask the question tbf. Have they changed? Can anyone advise? 

That makes no sense as that isn't a "charge"

You're better off reading the T&Cs which you'll see they load the FX rate by 2.99% and therefore aren't charging the network rate. 

400ixl

My FD Gold Credit Card is Visa and Debit is Mastercard with First Direct. I don't use the CC abroad as it is not good value and use my Halifax Clarity CC for that.

lr1277

400ixl said:

My FD Gold Credit Card is Visa and Debit is Mastercard with First Direct. I don't use the CC abroad as it is not good value and use my Halifax Clarity CC for that.

Further to @400ixl the Visa Gold Credit card does charge the approx 3% fee for fx transactions. I know this because I subscribe to a foreign newspaper using this card and the charge is applied.

The debit card is meant to be fx fee free but I have never tried it with an fx transaction.

spinningsheep

Thanks all. Don't intend using it abroad anyway unless it's an emergency, use my Zopa card for that, but now I know it's Visa. Thanks for the inputs.