Balance Transfer Credit Card
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first direct
The Balance Transfer Credit Card is a credit card from first direct on the network. It has an annual fee of £0.
Verified 12 Sept 2026
Key facts
- Annual fee
- £0
- Purchase APR
- 24.9% p.a. (variable)
Benefits and perks
- 0% interest on balance transfers for the first 20 months, when you transfer within 90 days of account opening
- 2.99% balance transfer fee (minimum £5)
- manage existing debt with one monthly payment.
- apply in minutes, with no lengthy forms
- average credit limit offered is £7,800
- make payments straightaway using Apple Pay and Google Pay.
Questions about the Balance Transfer Credit Card
What is the annual fee on the Balance Transfer Credit Card?
The Balance Transfer Credit Card has an annual fee of £0.
Is the Balance Transfer Credit Card worth it?
The Balance Transfer Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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Approval and real earn reports from cardholders are coming to this page soon.
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