We’re currently making some changes to Partnership Card to improve the application process and bring you even more benefits. While we’re making these changes to our credit card, we can’t accept new applications. Sorry for any inconvenience this may cause.

If you’d like to us to tell you when we’re accepting new applications again, just register your details below. We’ll be in touch with more details about our improved Partnership Card service and how you can apply.

In the meantime, we appreciate your patience during this short wait.


The Partnership Card is a credit card that makes your shopping more rewarding. Whether you’re using it for your weekly food shop, a large purchase or taking it with you on holiday, it will earn you points everywhere Mastercard is accepted.

We’ll add up your points total three times a year – February, June and October – and send you vouchers based on the number of points you’ve earned. You can then spend the vouchers on anything you like in John Lewis & Partners or Waitrose & Partners.

  • Earn 1 point for every £1 spent at John Lewis and Waitrose

  • Earn 1 point for every £2 spent anywhere else

  • Enjoy £5 in gift vouchers for every 500 points you earn

Card Benefits

John Lewis and
Waitrose vouchers

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

for 9 months

Enjoy 0% interest on purchases from account opening.


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


18.9% APR

Purchase rate
18.9% pa

Based on an assumed
credit limit of:

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.


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, using the Points Calculator above.

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


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


Earn double points when you insure your home car, pet, wedding or event with us.


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


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


Simply touch and go when you use your card for purchases up to £30.


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


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

Read the summary box below or download Partnership Card key features summary (PDF).

The information contained in this table summarises key product features for the Partnership Card and is not intended to replace any terms and conditions.

Representative 18.9% APR variable

Interest rates

Introductory rate

Monthly rate

Annual rate


0% for 9 months from the date the account is opened



Balance transfers

0% for 18 months from the date the account is opened



Cash advances




Interest-free period

  • Up to 56 days for purchases when you pay your balance in full every month by the due date
  • No interest-free period for balance transfers or cash advances

Interest charging information

You will not pay interest on purchases if you pay your balance in full and on time each month. Otherwise, the periods over which interest is charged will be as follows:



Purchases, balance transfers, cash advances and cash-related payments.

Date debited to your account

Paid in full

Allocation of payments

If the amount you pay in a month is less than the full amount you owe, we will apply the amount you pay in the following order:
a. any unpaid arrears or amounts over the credit limit;
b. the amount you owe us and shown in your statement;
c. any transactions, interest or charges not yet included in a statement.
We will apply your payment first to amounts on your account which we charge at the highest interest rate followed by amounts we charged at lower rates. In each case, interest and charges are paid off first.

If some amounts are charged at the same interest rate, we will apply your payment to the oldest amounts first.

Minimum repayment

The minimum payment will be the higher of:
A) The sum of (a) interest for the period from the last statement, (b) any default charges, and (c) 1% of the full amount you owe as shown on your monthly statement (not including interest and default charges).
B) 3% of the full amount you owe as shown on your monthly statement (including interest and charges).
C). £5.

If you owe less than £5, you must pay the full amount you owe.

Credit limit

Minimum credit limit £250, maximum credit limit subject to status.


No annual fee.


Cash fee

2.5% of the cash advance or cash related payment, minimum £2.50

Balance transfers

2.9% of each balance transferred, minimum £5

Data Protection Act enquiry


Foreign usage

Payment Scheme Exchange rate:

Dependent upon the type of transaction you undertake one or more of the following charges will apply:

Non-Sterling transaction fee

2.75% of the amount of the Sterling transaction value

Cash fee

2.50% of of the cash advance or cash related payment, minimum £2.50

Default fees

For paying late


For going over your credit limit


For payments which are returned unpaid


For enforcing repayment

Our reasonable costs

Recurring transaction
A recurring transaction, sometimes called a continuous payment authority, is a series of payments collected with your agreement from your card by a retailer or supplier (for example, insurance cover). This agreement is between you and the retailer. The Direct Debit Guarantee does not cover these transactions.

You can choose to apply online, or in most John Lewis stores. Lines are open Monday to Saturday, 9am-6pm. How do I check my application?

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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