for the first 9 months

When you start using your Partnership Card, you’ll enjoy 0% interest on any purchase you make in the first nine months. This means you can buy items up front, but pay for them later at your own pace. 

At the end of your 0% period, you’ll have paid no interest on the purchases you’ve made – and the credit won’t have cost you anything. At this point, the interest rate will revert to our standard variable purchase rate, which is currently 18.9% APR.

  • Take advantage of interest free shopping

  • Collect your purchases on the day but pay for them later (provided you make minimum payment)

  •  Enjoy an easy and flexible way to manage the cost of large items

John Lewis and
Waitrose vouchers

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


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

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.

Offers and promotions

Enjoy bonus points giveaways plus ticket offers, travel exclusives and more.

Mobile app

Check your balance and points (on compatible devices) 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 £100.

Extra cardholders

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

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?

Our partner

HSBC UK logo

HSBC UK Bank plc is our trusted partner in providing 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 4645530, 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.

AC43817. AC45126.

Copyright © John Lewis Partnership
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