In the UK, there is no daily limit on the number of contactless payments a customer can make. There is usually a limit of £100 per transaction using contactless. You must ensure your purchases do not take you over your agreed credit limit. If it does, you may be charged an overlimit fee.

There are a number of possible reasons why your contactless payments do not go through. For example, because your contactless card or the terminal you are using are not working correctly. Also, from time to time we may ask you to enter your PIN to make sure your card is in safe hands and protect you from fraud.

If a contactless payment isn’t approved, please try chip & PIN. You should also check that you have not gone over your credit limit. You can check your balance by logging into the Online Account Manager or the John Lewis Credit Card app. If you continue to have problems using your contactless card, please contact us on 0330 175 9829.*

The new limit has been set by the Card Schemes (Visa, Mastercard, Amex, etc.) in conjunction with UK Finance and the FCA.

If you have received a contactless card from us but do not want to use the contactless functionality, you can still continue to use your card as a chip & PIN card. Unfortunately, we are unable to send you a card that is non-contactless.

Apple Pay

Yes. You'll still earn loyalty points at the same rate as you do now, 5 points for each £4 spent on eligible spend with John Lewis & Partners and Waitrose (in store and online)) and 1 point for each £4 on all other spend. See full reward terms.

The first card you add into Wallet is your default card. If you want to change your default card, there are two options:

  • Go to ‘Settings’, select ‘Wallet & Apple Pay’ and scroll down to set your ‘Default Card’.
  • In the ‘Wallet’ app select the card you'd like to make the default and drag it down to the bottom of the screen. Tap 'OK' when prompted.

You'll need to check refund and returns policies with each store or merchant. If you're returning an item purchased with Apple Pay, the store may require you to hold your phone near to the card reader to complete the refund, using the card from the original purchase.

Other retailers may need to make the refund back to your physical Partnership Card. So, make sure you also have your physical card handy in case a purchase cannot be refunded to your device.

Please use your Online Account Manager or your John Lewis Credit Card app immediately where you can report it and we will issue a replacement. Alternatively, you can contact the Lost and Stolen Card Helpline on 0333 220 2531* or +44 (333) 220 2531 from abroad.

If you lose your phone, you can use Apple’s 'Find My iPhone' app or go to to disable your Apple Pay app remotely with the 'Remote Wipe' option. Because none of your personal or card information is stored on the device, it remains safe and secure.

Please use your John Lewis Credit Card app or Online Account Manager immediately where you can report it and we will issue a replacement. Alternatively, you can contact the Lost and Stolen Card Helpline on 0333 220 2531 or +44 (333) 220 2531 from abroad.

Please ensure that you remove your Partnership Card from old devices before selling, exchanging, or disposing of them. You should also remove your card if you temporarily pass your device to someone else; for example, if you hand it over to be repaired.

To remove your card, go to Settings > 'Wallet & Apple Pay', tap the card that you want to remove, then tap 'remove card'.

If you believe that you may have left your Partnership Card linked to your old device, Please use your Online Account Manager or your John Lewis Credit Card app immediately where you can report it and we'll issue a replacement. Alternatively, you can contact the Lost and Stolen Card Helpline.

You can remove a card from Apple Pay at any time. Go to ‘Settings’ > ‘Wallet & Apple Pay’, tap the card that you want to remove, then tap remove card.

Card details are automatically updated in Apple Pay by the card issuer, so no action is required.

While your replacement Partnership Card is being issued you can continue to use Apple Pay. Also, there is no need to add your replacement card once you receive it.

You’ll receive 'Card Notifications' for your Partnership Card in Apple Pay on an iPhone or iPad. These let you know about purchases made using Apple Pay.

You can turn these notifications on or off. Go to ‘Settings’ and then to ‘Wallet & Apple Pay’. There you can set ‘Card Notifications’ on or off.

Yes. An additional cardholder can add their Partnership Card to Apple Pay. Note that the security code for registration and the welcome email will be sent to the main cardholder’s email or phone.

Yes. All retailers who accept contactless payments will accept Apple Pay whether they're in the UK or overseas. If you use Apple Pay to pay with your Partnership Card overseas, then you’ll incur the standard non-sterling transaction fee of 2.75% on purchases. You may also incur charges from your mobile service provider for using Apple Pay overseas.

You can add your Partnership Card to Apple Pay on up to eight of your devices.

Google Pay

Google Pay (formerly known as Android Pay) allows you to make purchases on your Partnership Card using an eligible Android™ device.

For more information, see using Google Pay.

Android™, Android Pay™ and Google Play are trademarks of Google LLC.
Using your Partnership Card with Android Pay is subject to terms and conditions

*Calls will be charged at a standard national rate. Call costs from mobile companies and operators may vary so please check before calling. Calls may be recorded and monitored for training and security purposes and to help us manage your account.

John Lewis plc is a credit broker and not a lender, introducing the Partnership Credit Card under exclusive arrangements with the lender NewDay Ltd.
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 (FRN 724309). Credit is provided by NewDay Ltd, a company registered in England and Wales with registered number 7297722, registered office: 7 Handyside Street, London, N1C 4DA. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 690292 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (Ref no: 555318) for the provision of payment services.

Copyright © John Lewis Partnership
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