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Earning points

Enjoy the benefits

  • No interest on purchases for six months, fixed from account opening.
  • You earn points in over 25 million MasterCard outlets worldwide.
  • We convert points into vouchers to spend, which we'll send to you three times a year.
  • You get access to exclusive partnership cardholder events and Special Offers.
  • Share the card benefits with an additional cardholder by completing the additional cardholder application.
  • Representative 16.9% APR variable.

Spending points

           

> Homewares        > Fashion         > Electricals           > Groceries        > Wine          > Gifts

Earning vouchers with the partnership card™ couldn't be easier - the hard part is deciding what to
treat yourself with. You can choose from a range of over 350,000 products at John Lewis and Waitrose.

Summary box


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 28 February 2011.

APR  Representative 16.9% APR variable
Other interest rates Introductory Rate Effective Introductory Rate Simple Monthly Rate Annual Rate Effective Annual Rate Simple
 Retail Purchases within/not within John Lewis Partnership 0%* 0.0%* 1.313% 16.9% 15.756%
 Balance Transfers** 0%* 0.0%* 1.313% 16.9% 15.756%
 Storecard Transfers** 0%* 0.0%* 1.313% 16.9% 15.756%
 Cheque Transactions N/A N/A 1.313% 16.9% 15.756%
 Cash Advances N/A N/A 1.805% 23.9% 21.660%
 *fixed for 6 months from date account is opened.
Please see "Allocation of Payments" below.
 **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
Foreign currency transactions   2.75% exchange fee on non-sterling
  transactions
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
Default charges
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
  The above example assumes the following: the transaction takes place on 1st January and you make no further transactions;
  you always make the payments on the 15th; your statement is produced 31 days after you make the purchase; interest is
  calculated on the representative 16.9% APR variable rate and introductory rates are included.

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

Choose your partnership cardTM


partnership card summary box

Take a look at the key product features.

FAQs

We know you might have some questions about the partnership card.

So we've answered them here.