John Lewis Partnership Credit Card

Get Christmas all wrapped upwith a Partnership Credit Card

28.9% APR
Representative (variable)

Credit subject to status. 18 years+. UK resident. T&Cs apply

New applicants must have: 12 months of UK address history; a UK mobile phone number; an email address; not held a Partnership Credit Card in the last 12 months.

Representative example
28.9% APR
Representative (variable)
28.94%
Purchase rate pa (variable)
£1,200
Assumed credit limit

Missed or late payments, or exceeding your credit limit, could result in additional charges and may affect your credit rating and access to credit in the future.

John Lewis plc is a credit broker not a lender, introducing the Partnership Credit Card under exclusive arrangements with NewDay Ltd.

Rated 4.2/5 from an average of 10,000+ reviews

(across all John Lewis Money products, May 2024)

You could get £40 in vouchers¹

Look forward to £40 in John Lewis and Waitrose vouchers when you successfully open a Partnership Credit Card. To qualify for your vouchers, you’ll need to:

  • Open a Partnership Credit Card on our website or in a John Lewis store by 6 January 2025

  • Spend a minimum of £250 on eligible purchases at John Lewis and Waitrose within 45 days of opening your account

Once you’ve qualified, you’ll get your vouchers within 45 days. 

¹New Partnership Credit Card customers will earn £40 in vouchers to use at John Lewis and Waitrose when they open a Partnership Credit Card by 6 January 2025, and then spend a minimum of £250 across eligible purchases at John Lewis and Waitrose within 45 days of account opening. Only applies to applications made on johnlewisfinance.com, or in-store. Applications made through third-party sites are not eligible for the offer. Full terms apply.

Why a Partnership Credit Card?

Turn your shopping into rewards

Start with double points

New Partnership Credit Card customers can enjoy double points on eligible spend at John Lewis and Waitrose for the first 60 days, starting the moment you open your account. This is equivalent to 10 points for every £4 spent.2


After 60 days, the standard earn rate on eligible spend at John Lewis and Waitrose is 5 points for every £4 spent.

Earn as you spend

Keep collecting points. Not just on eligible spend at John Lewis and Waitrose, but also on purchases elsewhere.3

Get exclusive perks

Look out for cardholder offers, prize draws, and opportunities to boost your points.

Get 0% interest on purchases for 6 months⁴

Apply on our website or in-store at John Lewis, and spread the cost by getting 0% interest on all purchases for the first 6 months, from the moment you open your account.

⁴ When the offer period ends, or is cancelled, you will pay your standard rate of interest on any remaining purchase balance, and new purchases. The 0% interest offer will be cancelled if you do not make at least your minimum contractual payment or if you exceed your credit limit. Applications made via a third-party site such as a comparison website will not qualify for the offer. Terms apply, see 0% interest for 6 months on purchases via direct channels.

Earning points

How it works

5 points

for every £4 spent at John Lewis or Waitrose on eligible purchases3

1 point

for every £4 spent everywhere else that Mastercard is accepted3

Double points

10 points for every £4 spent for the first 60 days on eligible spend at John Lewis and Waitrose, from when you open your account2

Rewards

Redeem your points

You’ll earn a £5 gift voucher for every 500 points. We’ll send your vouchers automatically up to 3 times a year to spend on whatever you like at John Lewis and Waitrose. Terms apply.³

500 points

£5 voucher - that could be put towards a tasty treat, like a meal deal from Waitrose

2,500 points

£25 voucher - that could be spent on a new fragrance or beauty product

5,000 points

£50 voucher - that could be used to update your wardrobe in fashion and accessories

7,500 points

£75 voucher - to help spruce up your home with our wide range of furniture and homeware

Security, convenience, and support

Manage, in app

Track your points and spending, manage your account, and pay your balance with our easy-to-use mobile app.

Help, on hand

Get support by signing in online or via the John Lewis Credit Card app and using our secure online chat.

Simple, secure payments

Make secure one-tap payments and add your new Partnership Credit Card to your Apple Pay or Google Pay™ digital wallet.

Available for use with:
Apple pay logo

Google Pay™ is a trademark of Google LLC

Partnership Credit Card FAQs

How can I make a payment?

The most convenient way to make a payment is to set up a Direct Debit. You can do this, or change the amount you pay, by visiting your Online Account Manager or the John Lewis Credit Card app. You can find a list of other payment options in your monthly statement. Please note, we don’t accept payments by cheque.

What happens if I’m late paying my card balance?

If you don't pay at least the minimum payment by the statement due date each month, you’ll incur a late payment fee of £12 and your missed payment will be reported to credit reference agencies. Setting up a Direct Debit will help to avoid missed payments.

Can I use my card abroad and will I be charged for this?

Yes, you can use your Partnership Credit Card everywhere you see the Mastercard logo.

Each time you use your card abroad, you’ll be charged a foreign exchange fee if your transaction is made in a different currency. This fee will be shown on your statement as a separate charge. Your transaction will be converted into sterling using the Mastercard exchange rate.

View more details or check your Credit Agreement, if you’re an existing customer.

What fees and charges should I be aware of?

View Partnership Credit Card rates and charges here, or if you’re an existing customer, you can find your interest rates, fees and charges on the back of your statement.

How do I get in touch if I need help relating to my existing Partnership Credit Card?

If you need assistance with your Partnership Credit Card, visit our contact and support page to find ways of getting in touch, depending on your query.

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Our provider

The Partnership Credit Card is brought to you with NewDay, a credit provider for almost 4 million customers across the UK with responsible access to credit.

New day logo

John Lewis plc may receive a commission for introducing you to a lender if your application is successful.

John Lewis plc is a credit broker not a lender, introducing the Partnership Credit Card under exclusive arrangements with the lender NewDay Ltd.

John Lewis Money and John Lewis Finance are trading names of John Lewis plc. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. Registered in England and Wales (company number: 233462). Authorised and regulated by the Financial Conduct Authority (firm reference number: 724309).

Credit is provided by NewDay Ltd. Registered in England and Wales (company number: 7297722). Registered office: 7 Handyside Street, London, N1C 4DA. NewDay Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number: 690292) and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (firm reference number: 555318) for the provision of payment services.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.