Make your usual spend
unusually rewarding

The Partnership Card is an easy way to make your everyday spending
even more rewarding at your favourite shops.

  • Earn points towards John Lewis and Waitrose gift vouchers when you make a purchase anywhere Mastercard is accepted, and earn more when you shop with us.
  • Earn 1 point for every £1 spent on your card at John Lewis, Waitrose and John Lewis Insurance and Foreign Currency by John Lewis Finance, and 1 point for every £2 spent everywhere else Mastercard is accepted. Learn more about points (PDF, 48KB).
  • Every 500 points you earn is worth £5 in gift vouchers to spend at either John Lewis or Waitrose, and we’ll send them to you up to three times a year so you can enjoy the rewards of your Partnership Card all year round.


18.9% APR

Purchase rate
18.9% pa

Based on an assumed
credit limit of:

for 9 months

Enjoy an interest-free period of 9 months from account opening on every purchase.

Double points

Earn twice the points during special events at John Lewis and Bureau de change from John Lewis during the year – tell us your email address so we can remind you when!

Earn points on
foreign currency

Use your Partnership Card to buy currency in any Bureau de change from John Lewis and online with no cash advance fees. 


Touch and go convenience when you use your card for purchases up to £30.


Enjoy 0% interest on balance transfers for 18 months from account opening.

(Terms apply - 2.9% fee per transfer, minimum £5.)

call centres

The reliable, knowledgeable, friendly service you expect from John Lewis.

Read Summary Box below or download Partnership Card key product features summary (PDF, 61KB).

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?


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.

Copyright © John Lewis Partnership
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