Read the summary box below or download Partnership Card key product 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 9 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 to purchase 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 transfered, minimum £5

Data Protection Act enquiry

£10

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 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.

1. These Offer Terms and Conditions (the 'Offer Terms') are an agreement between you and us and apply when you apply for a Partnership Card (the 'Card'). They apply in addition to and should be read together with the Partnership Card Terms and Conditions and Reward Programme Rules. In the event of any conflict, these Offer Terms will apply.

2. In these Offer Terms, "we" or "us" means John Lewis Financial Services Limited, 8 Canada Square, London, E14 5HQ.

 

Eligibility for the Bonus Points offer (the 'Offer')

3. You will be eligible for the Offer if:

You successfully apply for a Partnership Card on or after 4 January 2018;

The card (or any additional card on your account) is used to make purchases or you transfer a balance to your account, in either case to a minimum value of £500, within 90 days of account opening;   

You are not an existing Partnership Card cardholder and haven’t held a Partnership Card within the six months prior to your application.  

4. Purchases subsequently refunded, cash withdrawals or cash related payments, interest, fees and charges will not count towards the £500 qualifying spend for the purposes of the Offer.

5. We cannot process balance transfers from all cards. A 2.9% balance transfer fee (min £5) will be charged for each balance transferred.

Bonus Points

6. The 1,000 bonus points will be awarded to your account within one month of your making the required spend or transfer and you will see them on your monthly statement.

7. Points are redeemed automatically as John Lewis & Waitrose gift vouchers in February, June and October each year (where the points balance is at least 500 points).

8. Points and gift vouchers are subject to the Partnership Card Reward Programme Rules which can be found at our Card Benefits page

General terms

9. The Offer may be withdrawn without notice. Any application we receive after we have withdrawn the Offer will not qualify for the Offer.

10. The Offer is not transferable and cannot be used in conjunction with any other offer.

11. Applicants for the Partnership Card must be UK residents (excluding the Channel Islands), aged 18 or over, and have a personal income of more than £6,750 a year. Credit subject to status. Full terms and conditions for the Partnership Card can be found at johnlewisfinance.com/card.

1. The double points offer only applies to Partnership Card transactions made at John Lewis in store and online including John Lewis Insurance and Foreign Exchange between 00.01 on Saturday 24 March and 23.59 on Tuesday 27 March 2018.

2. Customers will earn Double Points (2 points per £1 spent) everywhere they would normally earn 1 point per £1, including:

John Lewis

  • John Lewis shops
  • John Lewis Beauty services
  • John Lewis Food Halls
  • John Lewis Opticians
  • John Lewis Foreign Exchange bureaux (in store and online)
  • johnlewis.com
  • John Lewis Insurance including Home, Car, Pet, Wedding and Travel


3. Double Points cannot be earned on the following transactions.

Concessions including but not exclusive to:

John Lewis

  • Clarins Spa 
  • Vodafone 
  • Ham Holy Burger 
  • Rossopomodoro 
  • Hotel Chocolat 
  • Benugo 
  • Joe & the Juice 
  • Kuoni


Other

  • Leckford Farm Shop
  • Longstock Park Nursery


4. John Lewis Insurance including Home, Car, Pet, Wedding and Travel will continue to earn 2 points per £1 during this offer.

5. Where orders for goods are placed outside of the promotional period, then Double Points will not be applied, including where the goods are delivered during the promotional period.

6. Customers can earn double points on online orders, placed during the promotional period, where the dispatch, delivery or collection is after the 27 March 2018.

7. Where customers place an order during the promotional weekend and subsequently make a change to their order before 10 April, Double Points will apply to the amended order value. Otherwise Double Points will be applied to the original order value.

8. 2 points per £1 will be deducted from customer’s accrued points for any items, purchased during the promotional weekend in store and online, that are subsequently returned and where a customer receives a refund.

9. Customers will have 1 point per £1 for all John Lewis in store and online transactions applied to their next statement as per the card terms and conditions.

10. The second (double) promotional point will be applied in time for customers May 2018 statement. The bonus points will be included in customers June 2018 voucher issuance.

11. Where a customer feels that the correct points have not been applied to their May 2018 statement, customer to contact Partnership Card Customer Services on 0845 300 3833.

12. Promoter: John Lewis plc.

AC46566

1. The Double Points offer only applies to Partnership Card transactions through John Lewis Insurance from 00.01 on 1st March 2018 until 23:59 on 28 February 2019. The Double Points offer excludes John Lewis and Waitrose in-store and online transactions.

2. You will earn double points (2 points for every £1 you spend) everywhere you would normally earn 1 point for every £1, including: John Lewis Insurance, which covers new business and renewals for Home, Specialist Home, Car, Pet, Wedding, Travel and Event Insurance.

3. Promotional points will be added to your Partnership Card account balance within 45 days of you purchasing our Insurance.

4. If you feel the correct points have not been added to your account, please contact Partnership Card Customer Services on 0345 300 3833. Calls may be monitored and/or recorded for security and service improvements.

5. This offer cannot be used with any other Partnership Card offer.

6. The Promoter is John Lewis plc, 171 Victoria Street, London, SW1E 5NN.

7. Partnership Card reward programme rules apply. For more, visit johnlewisfinance.com

1. The double points offer applies to Partnership Card transactions made at John Lewis in store and online including Foreign Exchange between 00.01 on Saturday 5 May and 23.59 on Monday 7 May 2018. The double points offer excludes Waitrose in store and online transactions.

2. Customers will earn double points (2 points per £1 spent) everywhere they would normally earn 1 point per £1, including:

John Lewis

  • John Lewis shops 
  • John Lewis Beauty services
  • John Lewis Food Halls (Oxford Street and Bluewater)
  • John Lewis Opticians
  • John Lewis Foreign Exchange bureaux (in store and online)
  • johnlewis.com
  • Kuoni


3. Double Points cannot be earned on the following transactions:

John Lewis

  • Concessions including, but not exclusive to, Clarins Spa, Vodafone, Ham Holy Burger, Rossopomodoro, Hotel Chocolat, Joe & the Juice


4. John Lewis Insurance including Home, Car, Pet, Wedding and Travel will continue to earn 2 points per £1 during this offer.

5. Where orders for goods are placed outside of the promotional period, then double points will not be applied, including where the goods are delivered during the promotional period.

6. Customers can earn double points on online orders, placed during the promotional period, where the dispatch, delivery or collection is after the 7 May 2018.

7. Where customers place an order during the promotional weekend and subsequently make a change to their order before 16 May 2018, double points will apply to the amended order value. Otherwise double points will be applied to the original order value.

8. 2 points per £1 will be deducted from customer’s accrued points for any items, purchased during the promotional weekend in store and online, that are subsequently returned and refunded.

9. Customers will have 1 point per £1 for all John Lewis in store and online transactions applied to their next statement as per the Partnership Card Reward Programme Rules (PDF).

10. The second (double) promotional point earned on qualifying transactions will be applied in time for customers' August 2018 statements and redeemed in customers' October 2018 voucher issuance (subject to a minimum redemption of 500 points).

11. Where a customer feels that the correct points have not been applied to their August 2018 statement, the customer should contact Partnership Card Customer Services on 0845 300 3833.

12. Promoter: John Lewis, plc

AC46961

1. The Prize Draw is open to UK residents aged 18 or over, excluding residents of Northern Ireland, the Channel Islands and Isle of Man, holding a John Lewis partnership card excluding employees of the John Lewis Finance, their dependants or their agents or anyone else professionally connected with this prize draw.

2. Personal data, such as: first name, surname, email address and phone number, is only processed for the purposes of participating in the Promotion, notifying the winners and delivering the prizes. Personal data is not shared with third parties except for the above purposes with Mastercard's service providers Big Group and Octagon, in accordance with applicable law.

3. Entry to the Prize Draw is by registering your interest on the link in this email and making a purchase in John Lewis or Waitrose by 17 June 2018. Every transaction in John Lewis, Waitrose or anywhere you earn 1 point per £1 between 18 May and 17 June 2018 will count as 1 entry to the prize draw.

4. There will be 1 Winner selected at random at the end of the Prize Draw Period. The Winner will be picked at random by an independent party. The winner and their guest will enjoy a bespoke package, including four nights luxury hotel accommodation, £1000 John Lewis Edinburgh shopping experience, travel to and from Edinburgh and two days watching the 147th Open from the Mastercard Patron’s Pavilion with canapé and champagne reception, as well as dinner on all nights.

5. Prize packages (and associated tickets) are personal to the winner(s) and the sale or offering for sale, transfer, resale, donation, or exchange of any tickets and/or part of any of the prize packages is strictly prohibited (including, without limitation, in person or online via an online auction website or online ticket resale marketplace). The Promoter reserves the right to cancel tickets and withdraw or make void any and all prize elements if this term is not complied with.

6. Ticket holders may be asked to present valid photo ID (passport or driving licence) and/or other forms of identification (such as a debit or credit card) upon entry to the Event to ensure that the ticket holder is the same as the person named on (or allocated to) their ticket.

7. It is a condition of entry that winner and their guests agree to take part in publicity accompanying or resulting from the promotion without further recompense.

8. Winner and their guests acknowledge and agree that they are subject to the full terms and conditions of the Open (Event).

9. The result of the Prize Draw is final and binding in all matters and no correspondence will be entered into.

10. The winner and their guest must be aged 18 or over.

11. The Prize Draw will take place within 1 day of the end of the Prize Draw Period. The Winner will be notified by telephone or email by the 1st July following the end of the Prize Draw Period.

12. In the event that any Winner refuses acceptance of the Prize or, for whatever reason, cannot accept the Prize, or if the Promoter is unable to contact the Winner, the Promoter reserves the right to re-draw the Prize and award it to an alternative Winner.

13. The Prize is as stated, it is non-transferable.

14. The Promoter reserves the right to cancel, amend, terminate or temporarily suspend this Prize Draw in the event of unforeseen circumstances or technical reasons outside its control, with no liability to any entrants or third parties.

15. The Winner may be required to participate in related publicity without further recompense. Each Winner agrees that their name and county of residence can be published by the Promoter. Each Winner can refuse to participate in the publicity associated with this Prize Draw by refusing the Prize.

16. This Prize Draw and these terms and conditions are governed by English law and subject to the exclusive jurisdiction of the English courts.

17. Promoter: John Lewis Financial Services, 8 Canada Square, London, E14 5HQ.

AC47056

London Gin Tour - competition details

1. There are 10 pairs of Gin Tours tickets to be won courtesy of Mastercard Priceless Cities and fulfilled by Coutours.

2. Tours will take place at 15.00 and 18.00 on Saturday September 29, 2018. Winners should select which time they would like to attend at the time of accepting the prize.

3. The winner and their guest must both be aged 18 or over. Winners will be required to show ID on the day of the tour. Failure to show valid ID on the day will result in the ticket will be declared null and void.

4. The Promoter and the Venue reserve the right to refuse entry to the event to any person regardless of if they have a valid ticket.

5. Tours are run in all weather, apart from severe weather including snow and ice, so please dress appropriately. If it is cold, please wear warm clothes. The tour route can be quite uneven so I would advise sensible footwear and to take great care while walking on the tour and when crossing roads etc. Also it is advisable to bring water with you, especially if it is hot.

6. While Coutours’ tour guides, make every effort to provide a punctual service, all start and finish times are approximate to allow for any delays caused by traffic and road problems, adverse weather conditions and any other problems outside the control of Coutours. Coutours is not liable for any inconvenience or expenses incurred as a result of such a delay. Should there be a delay, time will be made up at the end of the tour.

7. The promoter or Coutours are not liable or responsible for any injury, loss or damage to persons or property arising from or caused by the weather, acts of God, war, accident, government restrictions or regulations, from an act or omission of any individual, traffic, road conditions, mechanical problems or any other cause or condition beyond its control.

8. Coutours can also change any tour or route without notice and assumes no liability or responsibility for any conditions beyond its control.

9. This is a walking tour which ends at The Savoy. Please note that the Savoy has a smart/casual dress code including no ripped jeans, sportswear or shorts.

10. Tours are suitable for most wheelchair users and walkers of varying ability. Please notify Coutours if you have any mobility issues and the tour can be modified as required.

11. Please inform Coutours if you have any allergies that may affect you on this tour. We do not advise that you drink alcohol if you are or think you may be pregnant. If you are unsure about any of the drinks offered on the tour, we advise that you do not drink the item. We advise that you eat something before any of the tours where we serve gin. Coutours is not liable or responsible for any issues arising from drinking anything on their tours.

12. Sale, transfer or exchange of any part of prize packages is strictly prohibited. Any attempt to sell, transfer or exchange a prize will result in the prize being withdrawn by the Promoter and the prize will be declared null and void.
 

Terms and conditions

1. The Prize Draw is open to UK residents aged 18 or over, excluding residents of Northern Ireland, the Channel Islands and Isle of Man, holding a John Lewis Partnership Card excluding employees of John Lewis Finance, their dependants or their agents or anyone else professionally connected with this prize draw.

2. Entry to the Prize Draw is by making a purchase using your Partnership Card via contactless in John Lewis Stores between 4 July 2018 and 31 July 2018.

3. There will be 10 Winners selected at random at the end of the Prize Draw Period. The Winner will be picked at random by an independent party.

4. The Prize is 2 x tickets to the London Gin Tour. Travel and accommodation is not included.

5. The prize and associated tickets are personal to the winner(s) and the sale or offering for sale, transfer, resale, donation, or exchange of any tickets is strictly prohibited (including, without limitation, in person or online via an online auction website or online ticket resale marketplace). The Promoter reserves the right to cancel tickets if this term is not complied with.

6. Ticket holders may be asked to present valid photo ID (passport or driving licence) and/or other forms of identification (such as a debit or credit card) upon entry to the Event to ensure that the ticket holder is the same as the person named on (or allocated to) their ticket.

7. It is a condition of entry that winners and their guests agree to take part in publicity accompanying or resulting from the promotion without further recompense.

8. The result of the Prize Draw is final and binding in all matters and no correspondence will be entered into.

9. The winner and their guest must be aged 18 or over.

10. The Prize Draw will take place within 7 days of the end of the Prize Draw Period. The Winner will be notified by telephone or email by the 17 August 2018 following the end of the Prize Draw Period.

11. Tours will take place at 15.00 and 18.00 on Saturday September 29th, 2018. Winners should select which time they would like to attend at the time of accepting the prize.

12. In the event that any Winner refuses acceptance of the Prize or, for whatever reason, cannot accept the Prize, or if the Promoter is unable to contact the Winner, the Promoter reserves the right to re-draw the Prize and award it to an alternative Winner.

13. The Prize is as stated, it is non-transferable.

14. The Promoter reserves the right to cancel, amend, terminate or temporarily suspend this Prize Draw in the event of unforeseen circumstances or technical reasons outside its control, with no liability to any entrants or third parties.

15. The Winner may be required to participate in related publicity without further recompense. Each Winner agrees that their name and county of residence can be published by the Promoter. Each Winner can refuse to participate in the publicity associated with this Prize Draw by refusing the Prize.

16. This Prize Draw and these terms and conditions are governed by English law and subject to the exclusive jurisdiction of the English courts.

17. Promoter: John Lewis Financial Services, 171 Victoria Street, London SW1E 5NN

1. The double points offer applies to Partnership Card transactions made at John Lewis in store and online including Foreign Exchange between 00.01 on Monday 22 October and 23.59 on Sunday 28 October 2018. The double points offer excludes Waitrose in store and online transactions.

2. For purchases made in-store at John Lewis Cheltenham, the double points offer applies to Partnership Card transactions between 00.01 on Tuesday 16 October and 23.59 on Sunday 28 October 2018.

3. Customers will earn double points (2 points per £1 spent) everywhere they would normally earn 1 point per £1, including:

  • John Lewis 
  • John Lewis shops 
  • John Lewis Beauty services 
  • John Lewis Food Halls (Oxford Street, and Bluewater) 
  • John Lewis Opticians 
  • John Lewis Foreign Exchange bureaux (in store and online) 
  • johnlewis.com 
  • Kuoni


4. Double Points cannot be earned on transactions in John Lewis concessions, including but not exclusive to:

  • Clarins Spa 
  • Vodafone 
  • Ham Holy Burger 
  • Rossopomodoro 
  • Hotel Chocolat 
  • Joe & the Juice


5. John Lewis Insurance including Home, Car, Pet, Wedding and Travel will continue to earn 2 points per £1 during this offer.

6. Where orders for goods are placed outside of the promotional period, then double points will not be applied, including where the goods are delivered during the promotional period.

7. Customers can earn double points on online orders placed during the promotional period where the dispatch, delivery or collection is after the 28 October 2018.

8. Where customers place an order during the promotional period and subsequently make a change to their order, double points will be applied to the original order value.

9. 2 points per £1 will be deducted from customers’ accrued points for any items purchased during the promotional period in store and online that are subsequently returned and refunded.

10. Customers will have 1 point per £1 for all John Lewis in store and online transactions applied to their next statement as per the Partnership Card Reward Programme Rules.

11. The second (double) promotional point earned on qualifying transactions will be applied in time for customers’ January 2019 statements and redeemed in customers’ February 2019 voucher issuance (subject to a minimum redemption of 500 points), save as set out in 12 below.

12. Where customers earn double points on online orders placed during the promotional period and the dispatch, delivery or collection is after the 28 October 2018, points will be applied in time for customers’ March 2019 statements and redeemed in customers’ June 2019 voucher issuance (subject to a minimum redemption of 500 points).

13. Where a customer considers that the correct points have not been applied to their February or March 2019 statement, the customer should contact Partnership Card Customer Services on 0845 300 3833.

14. Promoter: John Lewis, plc

 

AC48758

£30 offer – terms and conditions

1. These Offer Terms and Conditions (the “Offer Terms”) are an agreement between you and us and apply when you apply for a Partnership Card (the “Card”). They apply in addition to and should be read together with the Partnership Card Terms and Conditions and Reward Programme Rules. In the event of any conflict, these Offer Terms will apply.

2. In these Offer Terms, “we” or “us” means John Lewis Financial Services Limited, 8 Canada Square, London, E14 5HQ.


The Offer Period

3. The Offer Period is between 29/10/2018 and 31/01/2019. Any applications received after this date will not qualify for the Offer.

4. The Offer may be withdrawn without notice. Any applications received after we have withdrawn the Offer will not qualify for the Offer.


Qualifying criteria for the Offer

5. To qualify for 3,000 bonus points you must:

 

Apply for a Partnership Card using the promotion code “XMAS30” no later than 31/01/2019, and be accepted.

Spend a minimum of £250 on the Card in John Lewis & Partners or Waitrose & Partners, or transfer a balance of at least £250 to the Card within 90 days of activating it.

6. Purchases subsequently refunded, cash withdrawals or cash related payments, interest, fees and charges will not count towards the £250 qualifying spend for the purposes of the Offer.


Bonus Points

7. If you qualify for the Offer, you will be entitled to receive 3,000 bonus points, which will be redeemed as vouchers to the value of £30. The points will be awarded to your account within two months of your making the required spend or balance transfer and you will see them on your monthly statement.

8. Points are redeemed automatically as John Lewis & Waitrose gift vouchers in February, June and October each year (where the points balance is at least 500 points).

9. Points and gift vouchers are subject to the Partnership Card Reward Programme.


General terms

10. The Offer is not transferable and cannot be used in conjunction with any other offer.

11. Applicants for the Partnership Card must be UK residents (excluding the Channel Islands), aged 18 or over, and have a personal income of more than £6,750 a year. Credit subject to status. Full terms and conditions for the Partnership Card.


AC48627

Mastercard pre-sale offer terms and conditons

1. Official London Theatre’s New Year Sale pre-sale offer is open to Mastercard® cardholders aged 18 years or over only holding a Mastercard credit card issued by John Lewis Financial Services Limited.

2. Offer only valid if purchased with a Mastercard issued by John Lewis Financial Services Limited.

3. Offer is only available through the Priceless London website. Bookings cannot be made in person at the theatres.

4. The pre-sale offer will be available from 10am on 20 November 2018 to 9.59am on 23 November 2018 inclusive (“Promotional Period”).

5. Official London Theatre’s New Year Sale offer is valid for performances taking place between 01 January 2019 and 15 February 2019 only.

6. Participating shows will discount their tickets to £10, £20, £30 or £40. Please note that not all shows are offering tickets at all price points and ticket allocations for certain shows are likely to sell out quickly. There is no guarantee that specific seats, performance dates or prices will be available.

7. All tickets are subject to availability (especially at weekends) and are for specific performances.

8. The offer does not apply to tickets already booked and cannot be used in conjunction with any other offer or rate.

9. There is a maximum 8 tickets per transaction.

10. No booking, postage or transaction fees apply.

11. We recommend that you verify all ticket and performance information carefully before booking, as refunds or exchanges cannot be offered unless a performance is cancelled.

12. To the fullest extent possible in law, neither Society of London Theatre, Mastercard, nor agencies involved in this offer will be liable for any loss or damage whatsoever caused by matters relating to this offer. No responsibility will be accepted by the Promoter for lost ticket sales due to a technical fault or other issues.

13. Any question concerning the legal interpretation of the rules will be based on English law and the Courts of England and Wales will have exclusive jurisdiction.

14. The Promoter reserves the right to vary these terms and conditions or withdraw the offer at any stage.

Promoter: Society of London Theatre, 32 Rose Street, London, WC2E 9ET.

Copyright © John Lewis Partnership
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