Summary Box
Summary Box
The Partnership Card is an easy way to make your everyday spending
even more rewarding at your favourite shops.
REPRESENTATIVE EXAMPLE
Read Summary Box or download PDF (553KB)
The information contained in this table summarises key product features for the Partnership Card and is not intended to replace any terms and conditions. |
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Representative 16.9% APR variable |
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Interest rates |
Introductory rate |
Monthly rate |
Annual rate |
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Purchases |
0% for 6 months from the date the account is opened |
1.313% |
16.9% |
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Balance transfers |
0% for 6 months from the date the account is opened |
1.313% |
16.9% |
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Cash advances |
N/A |
1.805% |
23.9% |
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Interest-free period |
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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: |
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From |
Until |
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Purchases, balance transfers, cash advances and cash-related payments. |
Date debited to your account |
Paid in full |
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Allocation of payments |
If you do not pay off your balance in full, payments we receive will be applied to categories of your balance in the following order:
In each category interest and charges are paid first, followed by the remainder of the balance. Please refer to how we apply payments in your terms & conditions for a full breakdown. |
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Minimum repayment |
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. |
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Credit limit |
Minimum credit limit £250, maximum credit limit subject to status. |
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Fees |
No annual fee. |
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Charges |
Cash fee |
2.5% of the cash advance or cash related payment, minimum £2.50 |
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Balance transfers |
2.5% of each balance transferred, minimum £5 |
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Data Protection Act enquiry |
£10 |
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Foreign usage |
Payment Scheme Exchange rate: |
MasterCard rates can be found at: |
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Dependent upon the type of transaction you undertake one or more of the following charges will apply: |
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Non-Sterling transaction fee |
2.75% of the amount of the Sterling transaction value |
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Cash fee |
2.50% of of the cash advance or cash related payment, minimum £2.50 |
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Default fees |
For paying late |
£12 |
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For going over your credit limit |
£12 |
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For payments which are returned unpaid |
£12 |
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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
AC40291.
John Lewis Financial Services Limited (a subsidiary of HSBC Bank plc), registered in England under Company Number 4645530. Registered office: 8 Canada Square, London E14 5HQ. Authorised and regulated by the Financial Conduct Authority under the Financial Services and Markets Act 2000 (Financial Services Register no 715060), and under the Payment Services Regulations 2009 (Payment Services Register no 542750) for the provision of payment services. '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.