POINTS TURN INTO GIFT VOUCHERS

Looking to give your wallet a little boost? We’re here to help. Every time you shop with a Partnership Card, you’ll earn points towards gift vouchers to use on treats at Waitrose & Partners and John Lewis & Partners.

Whether you’re doing the weekly shop or popping in for a last-minute purchase, you’ll earn 5 points for every £4 spent in our shops – that’s the same as 1.25% back on your shopping in gift vouchers.

HOW YOU EARN VOUCHERS

  • Earn 5 point for every £4 you spend in John Lewis and Waitrose
  • Earn 1 point for every £4 you spend everywhere else Mastercard is accepted
  • Every 500 points you earn are worth £5 in John Lewis and Waitrose vouchers
  • Up to 3 times a year, we’ll send you vouchers to use at John Lewis and Waitrose

John Lewis and
Waitrose vouchers

We'll keep track of the points you earn and send you vouchers 3 times a year.

Interest-free
for 9 months

Enjoy 0% interest on purchases from account opening.
 

Balance
Transfer

0% on Balance Transfers for 18 months from account opening (2.9% fee applies, minimum £5)

REPRESENTATIVE EXAMPLE

Representative
18.9% APR
(variable)

Purchase rate
18.9% pa
(variable)

Based on an assumed
credit limit of:
£1200

Applicants must be UK residents (excluding the Channel Islands), aged 18 or over, and have an income of more than £6,750 a year.

Credit is subject to status.

POINTS CALCULATOR

See how your spending adds up with our Partnership Card.

Earn 5 point for every £4 you spend using our card in John Lewis or Waitrose. Earn 1 point for every £4 you spend anywhere else Mastercard is accepted.* We'll then turn your points into vouchers that you can spend in John Lewis and Waitrose.

(Slide arrows to calculate)

Annual vouchers:

£ 0

Weekly spend at Waitrose

£ 0

Monthly spend at John Lewis

£ 0

Monthly spend at other stores

£ 0

Monthly spend on petrol or diesel

£ 0

Monthly spend on dining out

£ 0

Annual spend on travel & holidays

£ 0

See how your spending adds up with our Partnership Card.

We’ll send you vouchers up to three times a year so you can enjoy the rewards of your Partnership Card, all year round.

(Slide arrows to calculate)

Benefits & Features

POINTS ON FOREIGN CURRENCY

Earn points when you buy travel money from us in a Bureau de change or online with no cash advance fees.

MOBILE APP

Check your balance and points total on the move with our Partnership Card app.

MOBILE PAYMENTS

Pay and earn points with your phone or watch. Just add your card to your device’s wallet.

CONTACTLESS PAYMENTS

Simply touch and go when you use your card for purchases up to £45.

EXTRA CARDHOLDERS

You can add up to 3 additional cardholders on your account.

UK CALL CENTRES

We provide the friendly, expert service you always expect from John Lewis.

Top FAQs

From your bank

You can pay via your respective bank's telephone and online services.

Payments can take up to three working days to reach us. Customers making a payment from a bank or building society that is participating in the Faster Payments Service will in normal circumstances be able to pay to your Partnership Card and have the available credit updated within 2 hours.
 

To make a payment through your online banking
You will need to log in to your Bank or Building Society online account and select the option for making a payment. Follow the instructions on screen to enter the correct details.

You will need our bank details and the 16 digit Partnership Card number of the Primary Card Holder as the payment reference:

  • Sort code: 40-63-02
  • Account number: 10000000


Always make sure you use the 16-digit Partnership Card number of the primary card holder as the payment reference.
 

To make a payment using telephone banking
Call your Bank or Building Society telephone banking service. The Bank or Building Society customer service representative will guide you through the process - in some cases you might be guided through by an automated recording.

You will need our bank details and the 16 digit Partnership Card number of the Primary Card Holder as the payment reference:

  • Sort code: 40-63-02
  • Account number: 10000000


Always make sure you use the 16-digit Partnership Card number of the primary card holder as the payment reference.


 

By cheque

To pay by cheque, you will need complete a Bank Giro Credit slip which can be found on your latest Partnership Card statement and return it with your cheque to this address:
Partnership Card
PO Box 1542
Northampton
NN1 9JD

Your cheque will need to be made payable to John Lewis Financial Services Limited.

Please remember to write your 16 digit credit card number on the back of the cheque, this will help us to identify who the cheque is from. Please do not send cash or post-date your cheque.

You will need to allow 7 working days for your payment to reach your account.


 

By Direct Debit

You can set up automated payments using a Direct Debit. There are three Direct Debit payment options: the minimum amount, the full balance, or a fixed amount (subject to minimum payment requirements).

If you wish to set up or amend a Direct Debit then you can do this through your Partnership Card online account. Simply select ‘Manage my Account’ followed by ‘Direct Debit’ and follow the instructions.

To set up a Direct Debit by post, download a Direct Debit form (PDF).


 

Via your Partnership Card online account

Step 1

Log into your online account
 

Step 2

You will be prompted to enter your log in credentials and select ‘Continue’. In order to log in you will require the following details:

  • Username
  • Password
  • Log in PIN
  • CVV (the three-digit number on the back of your Partnership Card)

 

Step 3

Select ‘Make a Payment’ from the ‘Manage my Account’ dropdown at the top of the Online Account summary page.

 

Step 4

Select the amount you wish to pay and click ‘Next’. You will have 3 options:

  • Minimum payment
  • Statement balance
  • Other amount


Step 5

You will then be prompted to enter your bank account details:

  • Debit card number
  • CVV (the 3 or 4 digit number on the back of your debit card)
  • The expiry date for your debit card


Step 6

Once you have entered your bank account details and clicked next, you will be asked to confirm the payment.


 

How long will it take a payment to reach my account?

If you've made a recent payment to your account please allow up to five working days for this to be reflected on your balance.


 

What happens if I'm late paying my card balance?

If you don't pay at least the minimum payments by the statement due date you'll incur a late payment fee of £12. Also, if you choose not to pay your full outstanding balance, you'll lose your interest-free days and incur interest charges. See section on late payment fees below. 


 

What is the minimum payment?

The minimum payment is the minimum amount you're legally obliged to pay on to your account each month. If you make the minimum payment each month, overall you'll pay more interest and it'll take longer to clear your balance.

As detailed in your terms and conditions, if you fail to make at least a minimum payment before the due date shown on your monthly statement, you'll be charged a late payment fee and be in breach of the terms and conditions while your account remains in arrears.


 

Can I change my statement date and ‘payment due’ date?

You may want to choose a more suitable payment due date based on when you are paid or when you normally have funds available.

Yes, you can ask us to change your statement date (which is the day we create your monthly statement), and this will also change your payment due date. Your payment due date is around 18-20 calendar days after your statement date.

You can find your current statement date on the first page of your monthly statement or in your online account under ‘Personal settings’.

You can change your statement date in your online account or by calling us on 0345 300 3833 (8am to 8pm, 7 days a week).

Please note that depending on when you make a date change, it may take up to two months to complete the request.


 

LATE PAYMENT FEES

From 8 April until 8 July 2020, we won’t be charging any late payment fees if payments to your Partnership Card aren’t made on time. You don’t need to get in touch – we’ll process things automatically. You should still try to make at least your minimum monthly payment on time to avoid any impact on your credit file, which could affect your ability to get credit in the future.

 

What is a late payment fee?

Under your credit card agreement, you’re required to make a minimum payment by the due date shown on your monthly statement. There’s normally a £12 late payment fee if your minimum payment isn’t made on time in any month. But from 8 April until 8 July 2020, we won’t be charging this fee.

 

Will my credit rating be affected?

Missing your payment can affect your credit rating, so please try to make your minimum payments each month.

 

Does this mean I don’t need to make a payment to my Partnership Card?

No. Please try to pay at least your minimum payment each month to avoid your credit rating being affected. However if you’re late making a payment between 8 April and 8 July 2020, you won’t be charged a late payment fee.

 

I’m worried about making a payment to my Partnership Card

We're currently working on being able to provide a payment holiday solution for customers who are up to date with their Partnership Card and John Lewis Personal Loan payments. Please check this page for further updates. Unfortunately we won’t be able to offer payment holidays in the meantime.

If you're facing immediate financial difficulty, a payment holiday might not be the best solution for you. Our Customer Service team can discuss a range of tools to help you, but please note these will likely have an impact on your credit file.

 

Are payments to my account affected?

All payment methods detailed on the back of your statement are still available. (See Making a payment to your account, above)

However, to lower the risk of any delays we suggest you consider setting up a direct debit. You can do this for the minimum payment amount. This will make sure you don’t fall behind on your payments.

You can also send funds at any time by contacting your main bank and using the faster payments service. Details of the sort code and account number are on the back of your statement.

 

Will Coronavirus affect my ability to get a Partnership Card?

No. You’ll still be able to apply for a Partnership Card. Your application will be subject to all the usual checks.

 

If I’ve not received goods or services, am I entitled to claim the money back under Section 75?

It will depend on the specific circumstances of your case.

You should contact the company where you have purchased the goods or services (e.g. the airline if you have purchased airline tickets). They will help you understand why you haven’t received the goods or services, and this may enable you to resolve the matter with them directly and quickly. This may result in a refund or offer of an acceptable alternative such as booking for an alternate date.

If you haven’t been able to obtain a refund from the retailer, you can contact us to query the transaction or raise a dispute (see Disputing a transaction). You may be entitled to claim under Section 75 but this will depend on the specific details of each case. We ask that you tell us exactly what happened, and give us all relevant documents to support your claim. This is so that we can assess whether there are grounds for a successful claim under Section 75.

 

What protection is offered to me when purchasing on my credit card?

Section 75 of the Consumer Credit Act 1974 offers protection where goods/or services have been purchased using a credit card.

Section 75 doesn't provide protection for every transaction made using a credit card. There's 3 main requirements for Section 75 to apply:

The Bank must have provided credit used to purchase the goods/services from a supplier which are the basis of the claim. The cash price for the goods/services must be between £100 and £30,000. There must be a breach of contract or misrepresentation by the supplier.

A breach of contract is where the supplier doesn't do what the contract says it agreed to do. For example, there's a breach of contract where goods are not supplied, are defective or not up to standard.

A misrepresentation is an untrue statement made by one party to another which convinces them to make the purchase. For example, there is misrepresentation if the supplier tells a consumer to buy an expensive piece of software - by incorrectly saying it will be compatible with their existing PC operating system when it is not.

We do not expect you to make complicated legal arguments about Section 75, breach of contract or misrepresentation. Instead, we ask that you to tell us exactly what happened with relevant documents in support of your claim, so that we can assess whether there are grounds for a successful claim under Section 75.
 

Will 0% balance transfer deals continue to be available?

Coronavirus isn’t expected to have an impact on balance transfer deals. We will regularly review the products available and may choose to withdraw or introduce new products at any given time.

 

Will there be any increases to my credit card APR or fees due to Coronavirus?

No. We do not expect Coronavirus to have an impact on your APR or fees.

 

If I miss a payment because of being affected by Coronavirus, will my credit rating be affected?

If you think that you’re at risk of missing a payment, please contact us as soon as possible. There are a number of ways we can help you. Missing a payment may have an impact on your credit score, so it’s important to talk to us before this happens.

 

Will Coronavirus impact the information held about me by UK Credit Reference Agencies?

No. There will be no impact on the information held about you unless you miss a repayment on your mortgage, personal loan or credit card.



 

Partnership Card Late Payment Fees

From 8 April until 8 July 2020, we won’t be charging any late payment fees if payments to your Partnership Card aren’t made on time. You don’t need to get in touch – we’ll process things automatically. You should still try to make at least your minimum monthly payment on time to avoid any impact on your credit file, which could affect your ability to get credit in the future.

 

What is a late payment fee?

Under your credit card agreement, you’re required to make a minimum payment by the due date shown on your monthly statement. There’s normally a £12 late payment fee if your minimum payment isn’t made on time in any month. But from 8 April until 8 July 2020, we won’t be charging this fee.

 

Will my credit rating be affected?

Missing your payment can affect your credit rating, so please try to make your minimum payments each month.

 

Does this mean I don’t need to make a payment to my Partnership Card?

No. Please try to pay at least your minimum payment each month to avoid your credit rating being affected. However if you’re late making a payment between 8 April and 8 July 2020, you won’t be charged a late payment fee.

 

I’m worried about making a payment to my Partnership Card

We're currently working on being able to provide a payment holiday solution for customers who are up to date with their Partnership Card and John Lewis Personal Loan payments. Please check this page for further updates. Unfortunately we won’t be able to offer payment holidays in the meantime.

If you're facing immediate financial difficulty, a payment holiday might not be the best solution for you. Our Customer Service team can discuss a range of tools to help you, but please note these will likely have an impact on your credit file.

 

Coronavirus fraud

Criminals are using the Coronavirus outbreak as an opportunity to try to steal money.

They're posing as organisations such as banks, government, the World Health Organisation or other health service providers, and pretending to offer things like a safe haven for your money or medical guidance. They’ll then try to trick you into giving personal or financial information.

These claims are made in fake emails, phone calls, texts and social posts using Coronavirus as a cover story. Remember, we will never ask you for any PINs or passwords or to move money to a safe account.

If you think you've been targeted by a Coronavirus scam, report it to Action Fraud.

 


What happens if I become a victim of Card fraud whilst affected by Coronavirus?

We’re here to support you. If you think you have fallen victim to fraud, please contact us to query the transaction or raise a dispute (see Disputing a transaction below).

 

 

Guidelines relating to travel plans affected by Coronavirus

If flights, package holidays, or events are cancelled it is important to refer to the contract and follow the supplier’s refund/re-booking terms in the first instance. You should do this before raising any dispute or Section 75 claim as this will help with your Section 75 claim.

 

Future travel plans

If the travel arrangements are all still operational but you want to, or have already cancelled, any refunds will be subject to the refund policy within the supplier’s terms and conditions.

You may not be entitled to a refund if you have voluntarily opted to cancel. It is worth contacting the supplier in case they are willing to offer a refund or alternative as a gesture of goodwill in the exceptional circumstances. If the date of travel is some time in the future, you may want to wait until nearer the time of travel before making a decision to voluntarily cancel.

There will be no dispute or Section 75 rights, unless the supplier’s terms and conditions have a refund policy which the supplier declines to honour.

 

I have health conditions and don’t want to take a risk by going on holiday

Please seek medical advice. A GP may provide you with a letter to say that you’re unable to travel. If you have travel insurance, you may be covered under your insurance policy or the insurance company may be willing to pay out in some circumstances on an exceptional basis.

There will be no dispute or Section 75 rights in these circumstances as you/your family member are not able to travel and the supplier has not done anything wrong. It’s worth contacting the supplier in case they are willing to offer a refund or alternative as a gesture of goodwill.

 

Myself or my family member is not well enough to travel

You should consult your GP or seek medical advice. They may provide you with a letter to say that you or your family member are not able to travel. If you have travel insurance, depending on your policy cover you may be covered and/or the insurance company may be willing to pay out in some circumstances on an exceptional basis.

There will be no dispute or Section 75 rights in these circumstances as you or your family member are not able to travel and the supplier has not done anything wrong. It’s worth contacting the supplier in case they are willing to offer a refund or alternative as a gesture of goodwill.

 

I’ve booked my flights and hotel independently (i.e. not as a package) and the flights are no longer available

You should contact the airline company and hotel in the first instance to recover the cost of your flights and hotel or to re-book alternatives. The hotel costs may not be recoverable unless you have cancellation rights in the hotel supplier’s terms. If this isn’t successful, you may be able to dispute the transaction (see Disputing a transaction below).

 

I am on holiday and a lot of the facilities are closed, so I want to claim a refund for the value of my holiday

This will depend on the supplier’s terms and the specific circumstances of your case. You may not be entitled to claim a refund if the closure of facilities is outside of the control of the travel and / or accommodation/tour provider. The travel and/or accommodation/tour provider should communicate with you if the facilities which you have booked for your holiday are not available during your stay (if this is known prior to travel so that you can make an informed choice).

 

I’ve booked a holiday to a location but the embassy is no longer issuing visas

You should contact the airline company, travel operator or tour organiser and explain that you are unable to travel. Depending on the supplier’s terms, you may be able to recover the cost of your trip or re-book alternatives. If you have travel insurance, you may be covered under your insurance policy or the insurance company may be willing to pay out in some circumstances on an exceptional basis. In order to raise a dispute of s75 claim, please ensure you provide us with the full details relating to the booking and all subsequent correspondence with the suppliers and insurers. We will review your specific case on its merits.

We will review these on a case by case basis (see Disputing a transaction below).

 

I’ve booked flights and hotels for an event. The travel is available but is not required as the event has been cancelled

You should contact the airline company, travel operator or hotel and explain that the event has been cancelled and ask if you are able to cancel. This will depend on your cancellation rights. Some companies may offer you a refund or allow you to re-book given the circumstances. If you have travel insurance, you may be covered under your insurance policy or the insurance company may be willing to pay out in some circumstances on an exceptional basis.

You may be entitled to bring a Section 75 claim depending on the circumstances of your case as long as the total purchase price of the event tickets are greater than £100. You will need to provide us with the full details relating to the booking, the supplier’s terms and all subsequent correspondence with the suppliers and insurers and we will assess your claim on its merits (see Disputing a transaction below).

 

I booked flights to the USA via a European hub airport. The current advice is that the USA will not accept any passengers from Europe

You should contact the airline company, travel operator or tour organiser in the first instance for advice and guidance. The airline company may be able to offer you an alternative route, a refund or offer an alternative booking.

If you have travel insurance, you may be covered under your insurance policy or the insurance company may be willing to pay out in some circumstances on an exceptional basis.

You may be entitled to bring a Section 75 claim depending on the circumstances of your case. Please ensure you provide us with the full details relating to the booking and all subsequent correspondence with the suppliers and insurers. We will review your specific case on its merits (see Disputing a transaction below).

 

Will it cost me more money to use my card abroad as a result of Coronavirus?

No. Our charges for using a card abroad will be staying the same.

Please check your card terms and conditions before you travel so you are aware of the charges that apply to overseas spending. Just so you know, currently financial markets are less stable than normal. This means exchange rates may vary more than they usually would.

 

Will credit card purchases abroad still be protected?

We do not expect Coronavirus to have an impact on your existing credit card protection. We recommend you check the latest terms and conditions before you travel. This will give you certainty of what is and isn’t protected before you complete a purchase.

 

To register and manage your account online, please follow our step-by-step guide.

Applicants for the Partnership Card must be UK residents (excluding the Channel Islands), aged 18 or over and have a personal income of more than £6,750 a year. Credit subject to status. Full terms and conditions for the Partnership Card

John Lewis plc trading as John Lewis Finance acts as a credit broker for the purpose of introducing credit for the Partnership Card provided under exclusive arrangements with the lender John Lewis Financial Services Limited, a subsidiary of HSBC UK Bank plc.

John Lewis Finance is a trading name of John Lewis plc, registered in England with company number 233462, registered office: 171 Victoria Street, London SW1E 5NN. Authorised and regulated by the Financial Conduct Authority (Financial Services Register number 724309). John Lewis Financial Services Limited (a subsidiary of HSBC UK Bank plc) is registered in England with company number 464530, registered office: 8 Canada Square, London E14 5HQ. Authorised and regulated by the Financial Conduct Authority (Financial Services Register number 715060) including for the provision of payment services (Register number 542750). ‘Partnership Card’, ‘John Lewis Finance’ and other terms including ‘John Lewis’ are John Lewis Partnership brands and John Lewis Financial Services Limited uses them under licence from the John Lewis Partnership.

Copyright © John Lewis Partnership
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