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 Kuoni, and on Insurance and Foreign Currency from John Lewis Finance. Earn 1 point for every £2 spent everywhere else Mastercard is accepted. Learn more about points (PDF).
  • 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.

REPRESENTATIVE EXAMPLE

Representative
18.9% APR
(variable)

Purchase rate
18.9% pa
(variable)

Based on an assumed
credit limit of:
£1200

Independent financial information business, Defaqto, have awarded our Partnership Card with 5 stars.

Interest-free
for 9 months

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

Double points
promotions

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. 

Partnership Card
app

Check your balance and your points on the move with the Partnership Card app. Make a payment to your account to help you stay on track.

MOBILE
PAYMENTS

Make quicker payments while still earning points. Simply add your card to your device’s wallet to start paying.

Contactless
payments

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

BALANCE
TRANSFER

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

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

ISSUED
IN STORE

Apply in store at your nearest John Lewis and, if you’re approved, we’ll issue your card on the spot. Alternatively, apply online.

UK-based
call centres

The reliable, knowledgeable, friendly service you 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

Purchases

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

1.456%

18.9%

Balance transfers

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

1.456%

18.9%

Cash advances

N/A

1.805%

23.9%

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:


From

Until

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.

Fees

No annual fee.

Charges

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

£10

Foreign usage

Payment Scheme Exchange rate:

Mastercard rates can be found at
Mastercard currency conversion calculator

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

£12

For going over your credit limit

£12

For payments which are returned unpaid

£12

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 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.

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.

AC43540.

Copyright © John Lewis Partnership
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