Increased spending power for you

The Visa Gold Card offers you increased spending power for all your travel, entertainment and other expenses.

 

This credit card is ideal for customers who want to pay their balance in full each month.

 

To apply you must be aged 18 or over, a resident in the UK and hold an existing First Trust Bank account.

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Representative 0% APR (variable)

 

As a Visa Gold card holder, you will receive a representative rate of 0% APR (variable).

See our fees and charges for more information.

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Features and benefits

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    No annual fee

    There is no annual fee.

     

    Other fees and charges may apply for certain transactions and services, such as withdrawing cash, transferring your balance, using your card abroad, or ordering a copy statement or voucher. 

     

    Please see our fees and charges for more information.

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    Straightforward settlement

    This card is settled in full by direct debit each month.

     

    A statement showing details of the transactions and any outstanding balance is issued on a monthly basis and this amount is automatically debited to your nominated account a few days after the statement is received.

     

    If you miss this payment, you will be subject to interest and fee charges. Please see our fees and charges for more information.

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    Contactless payments

    The card is enabled for Contactless payments. When the transaction is less than £30, you can choose to touch and pay where you see the contactless symbol. For more information please click here.

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    Enhanced security when shopping online with Verified by Visa

    Secure Internet Shopping for peace of mind when shopping online with Verified by Visa.

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    Telephone support

    If you have a query on your account, our customer service staff are available on 028  9024 1822 (or +4428 9024 1822 from abroad). We're here to help.

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    More Visa Gold Card features and benefits

    Emergency cash service (fees and charges may apply)

     

    If your card is lost or stolen abroad, you can avail of the emergency cash service (up to USD $5000 - subject to your available credit limit) and telephone support 24 hours a day, 7 days a week.

     

    Easy access to cash

     

    You can use your Visa Gold Card along with your Personal Identification Number (PIN) to withdraw cash at any cash machine or over the counter at any outlet that offers this service (known as a 'manual cash advance’) where Visa Credit is accepted at home and abroad. Annual cash interest rates and fees and charges apply. Please see our fees and charges for more information.

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How to apply

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    Apply in-branch today

    To apply for a Visa Gold card, call in to any First Trust Bank branch.

     

    We will need to see proof of your identity and address (such as your passport, driving licence and a gas or electricity bill) if we do not already hold this information.  

     

    If you are not sure what proof of identity and address we accept, click here or speak to a customer service adviser on 0345 6005 925.

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Important information

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    Key product information on the Visa Gold Card

    First Trust Bank strongly recommends that before applying for this product you review the documentation below. It's important that you understand the fees and charges and the terms and conditions before taking out your new credit card.

     

    As a responsible lender First Trust Bank will only lend money based on our appraisal of your ability to repay. Written quotations are available on request. 

     

     

    Visa Gold Card fees, charges and important information

    View the key product information on the Visa Gold Card.

     

    Visa Personal Credit Card terms & conditions

    View the terms and conditions that apply to the Visa Gold Card.

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Talk to us

Simply call 0345 6005 925 or drop in to any First Trust Bank branch. We’ll be happy to answer your questions.

 

 Lines open: 9am to 5pm Monday - Friday (except on bank holidays). Calls may be recorded. Call charges may vary - refer to your service provider.

Help and guidance

 

Using your card abroad

Find out more information on where you can use your card and on how to notify us if you are planning to use your card abroad.

 

Frequently asked questions

Find out the answers to the most common questions we are asked about our credit cards.

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