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.

APR

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 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

As set out in any offer made to you.

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.

Unless otherwise specified, this website is directed solely at those who access this site from the UK. John Lewis Financial Services Limited does not make any representation that any product or service referred to in the materials on this website are appear use, or available, in other locations. Those who choose to access this site from other locations are responsible for compliance with local laws if and to the extent local laws are applicable.

You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms.

The information provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site should not be considered as communicating any invitation or inducement to engage in banking or investment activity or any other offer to buy or sell securities or other investments outside of the UK.

 

1. The Offer includes 1000 bonus points when you buy 4 Elemis Skin Wellness facials for the price of 3 at a cost of £90 when paying with your Partnership Card at participating John Lewis & Partners stores only between Wednesday 28 July and Wednesday 25 August 2021.

Participating John Lewis stores are: Bluewater, Brent Cross, Cambridge, Cardiff, Cheadle, Cheltenham, Cribbs Causeway, Exeter, High Wycombe, Leeds, Liverpool, Milton Keynes, Newcastle, Norwich, Nottingham, Peter Jones, Reading, Solihull, Southampton, Stratford and White City.

2. The Offer cannot be used in conjunction with any other promotion/sale. 

3. The 1000 points will be applied to the primary cardholder’s Partnership Card account. 

4. Where a Partnership Card transaction takes place at John Lewis, Elemis outside of the promotional period, then the Offer will not be redeemable and the promotional points will not be applied. 

5. Promotional points will not be applied if the qualifying transaction made during the promotional period is subsequently cancelled and/or refunded. 

6. The Offer is only applicable to existing Partnership Card customers in direct receipt of the offer via email or SMS and cannot be forwarded on to other recipients for use.

7. You must book your facials by 25 August and have your facials by 31 January 2022, presenting the offer email or SMS at the point of purchase at the participating John Lewis Elemis store. Facials can be booked in store only. 

Find out more about the products.

8. On a qualifying transaction, the 1000 promotional points will be applied within 2 months of the date the transaction is charged to your Partnership Card account. 

9. Points are applied and redeemed as per the Reward Programme Rules (PDF).

10. If a customer considers that the correct points have not been applied to their statement, they should contact Partnership Card Customer Services on 0345 300 3833.

11. Promoter: John Lewis, plc.

1. The Offer includes a Free Eye Test, 20% off a complete pair (Frame + Lenses) of glasses or sunglasses and 2,500 promotional points when you spend £99 or more when paying with your Partnership Card at John Lewis Opticians between Thursday 29 April and Sunday 27 June 2021.

2. The offer cannot be used in conjunction with any other offer/sale. Offer excludes CHANEL & Lindberg. Non-transferable, no cash value given in lieu.

3. The 2,500 points will be applied to the primary cardholder’s account.

4. Where a Partnership Card transaction takes place at John Lewis Opticians outside of the promotional period, then the Offer will not be redeemable and the promotional points will not be applied.

5. Promotional points will not be applied if the qualifying transaction made during the promotional period is subsequently returned and/or refunded.

6. The Offer is only applicable to existing Partnership Card customers in direct receipt of the offer via email or SMS and cannot be forwarded on to other recipients for use.

7. You must book to have your eye test between 29 April 2021 and 27 June 2021 and present this offer email or SMS at the point of purchase in a John Lewis Opticians to redeem the Offer. Eye Tests can be booked online at johnlewis.com/opticians, or by calling the phone number of your local JL Opticians Branch.

8. On a qualifying transaction, the 2,500 promotional points will be applied within 2 months of the date the transaction is charged.

9. Points are applied and redeemed as per the Partnership Card Reward Programme Rules.

10. If a customer considers that the correct points have not been applied to their statement, they should contact Partnership Card Customer Services on 0345 300 3833.

11. John Lewis Opticians is operated by Luxottica Retail UK Ltd. Veralum Point, Station Way, St. Albans, Hertfordshire AL1 5HE.

12. Promoter: John Lewis, plc.

 

1. These offer terms and conditions (the “Offer Terms”) are an agreement between you and us and entitle you to receive bonus points to your Partnership Card account when the qualifying criteria set out below are met (the “Offer”). 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”, “us” or “our” means John Lewis Financial Services Limited, 8 Canada Square, London, E14 5HQ.
 

The Offer Period

3. The Offer Period lasts for 30 days from the date of the email notification of the Offer. Any applications received after this date will not qualify for the Offer.

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

Qualifying criteria for the Offer

5. The Offer is provided to selected John Lewis & Waitrose customers following a recent purchase or purchases from John Lewis & Partners or Johnlewis.com, and Waitrose & Partners or Waitrose.com (the “Eligible Purchases”) to use when applying for a Partnership Card.

6. You will qualify for the Offer if you successfully apply and are accepted for a Partnership Card during the Offer Period, and activate your card.

7. You must not hold a Partnership Card or have held one in the six months prior to your application. You can apply either in-store or online in order to benefit from the Offer.
 

Bonus points

8. If you qualify for the Offer, bonus points representing 5 points per £4 at John Lewis and Waitrose of the Eligible Purchases value will be awarded to your Partnership Card account within 45 days of the qualifying criteria being met. These will then appear on your next monthly statement.

9. 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).

10. Points and gift vouchers are subject to the Partnership Card Reward Programme Rules. Please refer to the Reward Programme Rules for details of the circumstances in which points will not be earned or redeemed, or will be forfeited.
 

General terms

11. The Offer is not transferable and can only be used by the recipient.

12. 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.

1. These offer terms and conditions (the “Offer Terms”) are an agreement between you and us and entitle you to receive bonus points to your Partnership Card account when the qualifying criteria set out below are met (the “Offer”). 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”, “us” or “our” means John Lewis Financial Services Limited, 8 Canada Square, London, E14 5HQ.


The Offer Period

3. The Offer Period lasts from 4th October 2021 to 31st October 2021. Any applications received after this date will not qualify for the Offer.

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


Qualifying criteria for the Offer

5. The Offer is provided to selected John Lewis & Waitrose customers following a recent purchase or purchases from John Lewis & Partners or Johnlewis.com, and Waitrose & Partners or Waitrose.com (the “Eligible Purchases”) to use when applying for a Partnership Card. 

6. To qualify for the Offer you must apply for a Partnership Card using the promotion code “POINTS” during the Offer Period, be accepted and activate your card.

7. You must not hold a Partnership Card or have held one in the six months prior to your application. You can apply online or in-store at John Lewis & Partners in order to benefit from the Offer.


Bonus points

8. If you qualify for the Offer, bonus points representing 5 points per £4 at John Lewis and Waitrose of the Eligible Purchases value will be awarded to your Partnership Card account within 45 days of the qualifying criteria being met. These will then appear on your next monthly statement.

9. 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).

10. Points and gift vouchers are subject to the Partnership Card Reward Programme Rules. Please refer to the Reward Programme Rules for details of the circumstances in which points will not be earned or redeemed, or will be forfeited.


General terms

11. The Offer is not transferable and can only be used by the recipient.

12. 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.

1. These offer terms and conditions (the “Offer Terms”) are an agreement between you and us and entitle you to receive bonus points to your Partnership Card account when the qualifying criteria set out below are met (the “Offer”). 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”, “us” or “our” means John Lewis Financial Services Limited, 8 Canada Square, London, E14 5HQ.

The Offer Period

3. The Offer Period lasts for 30 days from the date of the email notification of the Offer. Any applications received after this date will not qualify for the Offer.

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

Qualifying criteria for the Bonus Points Offer

5. The Offer is provided to selected John Lewis & Waitrose customers following a recent purchase or purchases from John Lewis & Partners or Johnlewis.com, and Waitrose & Partners or Waitrose.com (the “Eligible Purchases”) to use when applying for a Partnership Card.

6. You will qualify for the Offer if you successfully apply and are accepted for a Partnership Card during the Offer Period, and activate your card.

7. You must not hold a Partnership Card or have held one in the six months prior to your application. You can apply either in-store or online in order to benefit from the Offer.

Qualifying criteria for the Double Points Offer

11. To qualify for double points for 30 days you must be a member of the My John Lewis programme. 

12. Double points (10 points per £4 spent) will be awarded on transactions made in the first 30 days from activating the card up to the total value of £500 (625 points) at John Lewis shops, John Lewis Beauty Services, John Lewis Opticians, John Lewis Foreign Exchange, John Lewis.com, Waitrose shops, Waitrose.com and Waitrose Cookery School.

13. Double points cannot be earned in John Lewis and Waitrose shop concessions, including but not limited to Kuoni, Nespresso, Ham Holy Burger, Rossopomodoro, Hotel Chocolat and Joe & the Juice, Lloyds Pharmacy, Johnson Cleaning, Post Office, CPV Car Wash and Camelot lottery.

14. You can earn promotional points on online orders placed during the 30 day promotional period where the dispatch, delivery or collection is after the end of the promotional period.

15. Promotional points will be deducted from your accrued points for any items purchased during the promotional period in store and online that are subsequently returned and/or refunded.

Application of Promotional Points

16. If you qualify for the bonus points Offer, bonus points representing 5 points per £4 at John Lewis and Waitrose of the Eligible Purchases value will be awarded to your Partnership Card account within 45 days of the qualifying criteria being met. These will then appear on your next monthly statement.

17. On transactions which qualify for double points (10 points per £4 spent) up to £500 (625 points), the promotional points earned will be calculated and applied within 45 days. These will then appear on your next monthly statement. 

18. Points and gift vouchers are subject to the Partnership Card Reward Programme Rules. Please refer to the Reward Programme Rules for details of the circumstances in which points will not be earned or redeemed, or will be forfeited.

19. 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).

20. If you believe that the correct points have not been applied to your statement, you should contact Partnership Card Customer Services on 0345 300 3833.

General terms

21. The Offer is not transferable and can only be used by the recipient.

22. 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.

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 16 June 2021 and 15 August 2021. 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 2,500 bonus points you must:

  • Apply for a Partnership Card using the promotion code “MYJL25” no later than 15 August 2021, and be accepted;
  • and Spend a minimum of £250 on the Card in John Lewis & Partners or Waitrose & Partners within 90 days of account opening;
  • and Not be an existing Partnership Card holder and haven’t held a Partnership Card within the six months prior to your application.


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 2,500 bonus points, which will be redeemed as vouchers to the value of £25. The points will be awarded to your account within two months of you making the required spend 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. Full terms and conditions for the Partnership Card.

12. Credit subject to status. Applicants for the Partnership Card must be a UK resident (excluding the Channel Islands), aged 18+ and have a personal income of more than £6,750 per year.

13. John Lewis plc trading as John Lewis Finance, 171 Victoria Street, London SW1E 5NN acts as a credit broker (authorised and regulated by the Financial Conduct Authority, Financial Services Register number 724309) and not as a lender. Credit for the Partnership Card is provided under exclusive arrangements with the lender John Lewis Financial Services Limited (a subsidiary of HSBC UK Bank plc), authorized and regulated by the Financial Conduct Authority (Financial Services Register number 715060) including for the provision of payment services (ref: 542750).

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

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