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: 

Mastercard rates can be found here .

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.

To qualify for the 1,500 points offer you must apply for a Partnership Card no later than 1 August 2017, be accepted and spend a minimum of £500 using the card no later than 22 September 2017

To qualify for the offer you must use the card to make £500 of purchases in a single or multiple transactions in John Lewis, Waitrose (in store and online) or any merchant that accepts Mastercard. Balance transfers and cash advances do not qualify as purchases.

The 1,500 bonus points will appear on your October 2017 Partnership Card statement and the £15 of vouchers will be in your October 2017 voucher issuance. 

This offer may be withdrawn without notice

Offer only available to new Partnership Card accounts opened between 7 June 2017 and 1 August 2017

Offer not available to existing or previous Partnership Card cardholders

This offer cannot be used in conjunction with any other offer

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

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

AC43075

 

Terms and conditions

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. £15 voucher offer: you must apply for a Partnership Card by 1 August 2017, be accepted and spend a minimum of £500 on the Card by 22 September 2017. To qualify for the offer you must use the card to make £500 of purchases in a single or multiple transactions in John Lewis, Waitrose (in store and online) or any merchant that accepts Mastercard. Balance transfers and cash advances do not qualify as purchases. The 1,500 bonus points will appear on your October statement and a £15 of vouchers will be in your October 2017 voucher issuance. This offer may be withdrawn without notice. Offer not available to existing or previous Partnership Card holders. This offer is non-transferable and cannot be used in conjunction with any other offer.

 

1. The Prize Draw is open to UK residents, excluding employees of the Promoter, their dependants or their agents or anyone else professionally connected with this prize draw.

2. An entry to the Prize Draw occurs every time a Partnership Card is used to purchase John Lewis Foreign Currency both at Bureaux de Change in John Lewis shops and Online between 12 June 2017 and 7 July 2017.

3. There is no credit card transaction fee or cash advance fee for using your Partnership Card to buy Foreign Currency at a John Lewis Bureaux de Change or Online with John Lewis.

4. You will earn 1 point per £1 when buying Foreign Currency from John Lewis.

5. There will be 1 Winner and 25 Runners up selected at random at the end of the Prize Draw Period. The Winner will be picked at random by an independent party.  The Winner prize is reserved for entrants aged 21 or over.

6. The Prize is 2 economy class ticket from the UK to New York, transfer in New York, 3 nights luxury accommodation, entry to Food Network & Cooking Channel New York City Wine & Food Festival presented by Coca-Cola and $500 pre-paid Mastercard. This trip will take place from 13 – 16 Oct 2017. The winner shall bear the cost of travel to and from the point of departure. The prize is as stated, in non-transferable and no cash alternative is available. The result of the Prize Draw is final and binding in all matters and no correspondence will be entered into.

7. The 25 runners up will get 20,000 points credited to their Partnership Card account in time for their October voucher issuance.

8. The Prize Draw will take place within 30 days of the end of the Prize Draw Period. Each Winner will be notified by telephone or email within one calendar month following the end of the Prize Draw Period.

9. The Winner will have 14 days to accept the prize in writing before it is forfeited and a reserve winner contacted. 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.

10. The Prize is as stated, it is non-transferable. Itinerary and Programme elements are at the discretion of Mastercard® and are subject to change.

11. 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.

12. 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.

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

14. Your privacy is very important to us, that’s why we will never disclose your personal details to any company outside the John Lewis Partnership (including John Lewis Insurance, John Lewis and Waitrose) for them to use for their mailing or marketing purposes. By entering this Prize Draw you agree that the Promoter, John Lewis Financial Services may use and store your personal details in the course of running the Prize Draw as set out in these terms and conditions and for related purposes such as promoting the Prize Draw, announcing and publicising the Winners, subject to compliance with applicable data protection laws.

15. Promoter: John Lewis Finance, 171 Victoria Street, London SW1E 5NN

AC43015

1. The Double Points promotional offer only applies to Partnership Card purchases made in John Lewis shops, during the exclusive shopping evening on Thursday 6 April 2017.

 

2. Your my John Lewis card must be presented at the time of purchase to qualify for Double Points.

 

3. Customers will earn Double Points (2 points per £1 spent) for the net value of purchases made in the following areas:

John Lewis

John Lewis shops

John Lewis Beauty services 

John Lewis Opticians

John Lewis Finance Bureaux de change (in store).

 

4. Double Points cannot be earned on purchases in the following areas:

John Lewis

johnlewis.com 

John Lewis Food Halls 

Insurance from John Lewis Finance; Home, Specialist Home, Life, Car, Pet, Wedding and Travel

Concessions; including but not exclusive to Clarins Spa, Vodafone, Ham Holy Burger, Rossopomodoro, Hotel Chocolate, Jo & the Juice

Kuoni 

 

5. 2 points per £1 will be deducted from customer’s accrued points for any items, purchased during the promotional evening in store, that are subsequently returned and where a customer receives a refund.

 

6. Customers will have 1 point per £1 for all John Lewis in store transactions applied to their April 2017 statement as per the card terms and conditions.

 

7. The second (double) promotional point will be applied in time for customers June 2017 statement. The bonus points will be included in customers June voucher issuance.

 

8. Where a customer feels that the correct points have not been applied to their June 2017 statement, customer to contact Partnership Card Customer services on 0845 300 3833.

 

9. Promoter: John Lewis Finance.

The Double Points offer only applies to Partnership Card transactions made at John Lewis in store and online between 00.01 on Saturday 8 April and 23.59 on Sunday 9 April 2017. The double points offer excludes Waitrose in-store and online transactions.

Customers will earn Double Points (2 points per £1 spent) for the net value of purchases made in the following areas: John Lewis shops, johnlewis.com, John Lewis Beauty services, John Lewis Opticians, John Lewis Foreign Exchange bureaus (in store)

Double Points can’t be earned on purchases in the following areas: John Lewis Insurance, concessions including but not exclusive to Clarins Spa, Vodafone, Ham Holy Burger, Rossopomodoro, Jo & the Juice, Kuoni 

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

Customers can earn double points on online orders, placed during the promotional period, where the dispatch, delivery or collection is after the 9 April 2017

Where customers place an order during the promotional weekend and subsequently make a change to their order, Double Points will apply to the amended order value

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

Customers will have 1 point per £1 for all John Lewis in store and online transaction applied to their April 2017 statement as per the card terms and conditions. 

The second (double) promotional point will be applied in time for customers June 2017 statement. The bonus points will be included in customers June voucher issuance

Where a customer feels that the correct points have not been applied to their June 2017 statement, customer to contact Partnership Card Customer Services on 0345 300 3833

Promoter: John Lewis Financial Services Limited

AC42124

1. The double points offer only applies to Partnership Card transactions made at John Lewis and Waitrose in store and online including John Lewis insurance and Foreign Exchange between 00.01 on Saturday 27 May and 23.59 on Monday 29 May 2017.

 

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

 

Waitrose

Waitrose shops

waitrose.com

waitroseentertaining.com

waitrosecellar.com

waitroseflowers.com

waitrosegifts.com

waitrosegarden.com

waitrosepet.com

Waitrose Welcome Breaks

Little Waitrose at Shell filling stations

 

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 Chocolate

Benugo

Jo & the Juice

Kuoni

 

Waitrose

Lloyds Pharmacy

Boots Pharmacy

Johns & Kelyneck Pharmacy

Admiral Pharmacy (Guernsey)

Hove Pharmacy

Post Office and Guernsey Post

Johnson Cleaners

CPV Hand Car Wash

Laura Ashley

Thomas Cook

Arnolds Estate Agents

The Great Cornish Food Store

Camelot Lottery

PhotoMe booths

 

Other

Leckford Farm Shop

Longstock Park Nursery

 

4. 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

5. Customers can earn double points on online orders, placed during the promotional period, where the dispatch, delivery or collection is after the 29 May 2017

6. Where customers place an order during the promotional weekend and subsequently make a change to their order before 11th June, Double Points will apply to the amended order value. Otherwise Double Points will be applied to the original order vale.

7. 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

8. Customers will have 1 point per £1 for all John Lewis and Waitrose in store and online transaction applied to their June 2017 statement as per the card terms and conditions.

9. The second (double) promotional point will be applied in time for customers July 2017 statement. The bonus points will be included in customers October voucher issuance

10. Where a customer feels that the correct points have not been applied to their July 2017 statement, customer to contact Partnership Card Customer Services on 0845 300 3833

11. Promoter: John Lewis plc

1. The Double Points offer only applies to full price school uniforms and children’s shoes purchased with a Partnership Card from John Lewis in store or johnlewis.com between 00.01 on Friday 18 August and 23.59 on Sunday 3 September 2017 (the promotional period).

2. Customers will earn Double Points (2 points per £1 spent) on Back to School clothing, including;

School uniforms

Children’s shoes including Clarkes and Startrite

Children’s hosiery

Children’s underwear

 

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

Sportswear Stationery

After-school club clothing and product (i.e brownies)

Lunchboxes

Children's non-uniform coats

 

4. Customers paying with a Partnership Card during this promotional period will earn 2 points per £1 spent on Back to School, instead of the standard 1 point per £1 spent at John Lewis (in store & online).

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 3 September 2017.

7. Where customers place an order during the promotional period and subsequently make a change to their order, Double Points will apply to the amended 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 September 2017 statement as per the card terms and conditions.

10. The second (double) promotional point will be applied to customer’s October 2017 statement. The bonus points will be included in customer’s October voucher issuance.

11. This offer cannot be used in conjunction with any other offer.

12. Where a customer feels that the correct points have not been applied to their October 2017 statement, customer to contact Partnership Card Customer Services on 0345 300 3833.

13. Promoter: John Lewis Financial Services Limited.

Copyright © John Lewis Partnership
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