Earn rewards simply by changing the way you pay. Shop with a Partnership Card at John Lewis and Waitrose and get 1.25% back in the form of points towards gift vouchers. You can also earn points when you shop anywhere that accepts Mastercard.

See our earn rates.

Pay no interest for 9 months

The Partnership Card isn’t just here to reward you. It also allows you to pay for things at your pace, because it offers 0% interest on purchases for the first 9 months.

This makes it easy to buy large items up front, but pay for them later (provided you make the minimum payments).


Get 1 point for every £4 you spend at other shops, restaurants and online retailers that accept Mastercard.


Enjoy £5 of John Lewis and Waitrose vouchers for every 500 points you earn. Get your vouchers up to 3 times a year.

Points calculator

See how your spending adds up with our Partnership Card.

Earn 5 point for every £4 you spend using our card in John Lewis or Waitrose. Earn 1 point for every £4 you spend anywhere else Mastercard is accepted.* We'll then turn your points into vouchers that you can spend in John Lewis and Waitrose.

(Slide arrows to calculate)

Annual vouchers:

£ 0

Weekly spend at Waitrose

£ 0

Monthly spend at John Lewis

£ 0

Monthly spend at other stores

£ 0

Monthly spend on petrol or diesel

£ 0

Monthly spend on dining out

£ 0

Annual spend on travel & holidays

£ 0

What details you need when you apply

It only takes about 15 minutes to apply online.

Alternatively, you can also apply at your nearest John Lewis. If you’re accepted in store, you could take home your card the same day.

  • Email address
  • UK bank account details
  • Home addresses for the last 3 years
  • Proof of your identity
  • Your gross annual income
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 © Copyright © John Lewis Partnership
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