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Partnership card™


The partnership card is an easy way to make shopping at John Lewis and Waitrose even more rewarding, with the reassurance of the quality and service you'd expect from the John Lewis Partnership.

  • Earn points: towards John Lewis and Waitrose vouchers wherever you shop. partnership card is a MasterCard and accepted in over 25 million outlets worldwide
  • Making a purchase? no interest on purchases for six months
  • Share the benefits: and earn more points by adding an additional cardholder
  • Representative 16.9% APR variable
  • Earn 1 point for every £1 spent: at John Lewis, Waitrose and John Lewis Insurance*, and 1 point for every £2 spent everywhere else
  • Turning points into pounds: Every 500 points you earn is worth £5 in vouchers. We’ll send you your vouchers every four months so that you can enjoy the rewards of your partnership card all year round

How much could you earn in rewards?


Rewards calculator

Partnership card™ summary


The information contained in this table summarises key product features for the partnership cardTM and is not intended to replace any terms and conditions. Valid from 26 June 2012.

(Non-Sterling) Cash Fee: 2.75% of the amount advanced, minimum £2.50.

APR Representative 16.9% APR variable
Other interest rates Introductory Rate Monthly Rate Annual Rate
Retail Purchases within/notwithin
John Lewis Partnership
0% for 6 months from date account is opened
1.313% 16.9%
Balance Transfers** 0% for 6 months from date account is opened
1.313% 16.9%
Storecard Transfers** 0% for 6 months from date account is opened
1.313% 16.9%
Cheque Transactions N/A 1.313% 16.9%
Cash Advances N/A 1.805% 23.9%
**A balance transfer fee applies. Please see "Charges" below.
Other than where a rate is fixed, all rates are variable.
Interest-free period * Up to 56 days for purchases when you pay your balance in full every month by the due date.
* There is no interest free period for Balance Transfers, Storecard Transfers, Cheque Transactions 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 period over which interest is charged will be as follows:
From Until
Purchases Date debited to your account paid in full
Cash Advances Date debited to your account paid in full
Balance transfers Date debited to your account paid in full
Allocation of Payments

If you do not pay off your balance in full, payments we receive will be applied to categories of your balance in the following order:

* Payment Protection Insurance Premiums

* Cash Advances including Cheque Transactions

* Instore Transactions and transactions

* Balance Transfers and Storecard Transfers

* Instore Transactions attracting a promotional rate as notified to you

In each category interest and charges are paid first, followed by the remainder of the balance. Please refer to 'Allocation of Payments' in your conditions of use for a full breakdown.

Minimum repayment * Interest, default charges and any PPI or Payment Freeze premiums plus 1% of the principal balance, or 3% of the balance or £5 whichever is highest or your statement balance if less than £50.
Amount of credit
Minimum credit limit £250
Maximum credit limit Subject to status
Fees No Annual Fee.
Charges
Balance Transfers 2.5% handling fee, minimum £5
Cash Advances (includes cash withdrawals and purchases of foreign currency and travellers cheques). 2.5% handling fee, minimum £2.50
Copies of statements £5 for each copy of a statement
Copies of vouchers £5 for each copy of a voucher
Statement date changes First statement date change is free, subsequent changes are £10
Data Protection Act enquiry £10
Foreign Usage
Payment Scheme Exchange rate MasterCard Rates can be found at www.partnershipcard.co.uk under the ‘using your card abroad’ section in FAQs.
Dependent upon the type of transaction you undertake, one of the following charges will apply.
Non-Sterling Transaction fee 2.25% of the amount of the Sterling transaction value
Cash Fee 2.75% of the amount advanced, minimum £2.50
Default fees
Over-limit fee £12
Payment overdue administration fee £12
Cheque returned unpaid fee £12
Unpaid credits and Direct Debits fee £12
If we serve a default notice £12

Repayments

Illustrative Examples
(includes introductory rates)
For a purchase of £1,000 on your partnership card
Monthly Payment Minimum payment each month £50 payment each month £100 payment each month
Taking into account any introductory rates, how much interest will you be charged in the first year? £64.39 £49.40 £17.15
How much interest will you be charged in the second year? £109.49 £35.25 £0.00
How long would it take to clear the balance? 12 years 2 months 1 year 11 months 1 year

We recommend that you pay more than the minimum payment whenever possible. If you make only the minimum payment eachmonth it will take you longer and cost you more to clear your balance, as shown in the example above.

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, a mobile phone subscription), This agreement is between you and the retailer. The direct Debit Guarantee does not cover these transactions.

Treat yourself

Earning vouchers couldn't be easier with the partnership card™ - the hard part is deciding how to treat yourself. Whether it's Food, Home, Fashion or the latest Technology, you can choose from thousands of products at John Lewis and Waitrose.