Skip to navigation
Skip to main content
Skip to footer

Legal Information

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


Representative 16.9% APR variable

Interest rates

Introductory rate

Monthly rate

Annual rate


0% for 6 months from the date the account is opened



Balance transfers

0% for 6 months from the date the account is opened



Storecard transfers

0% for 6 months from the date the account is opened



Cash advances




Interest free period

• Up to 56 days for purchases when you pay your balance in full every month by the due date

• 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 periods over which interest is charged will be as follows:




Date debited to your account

Paid in full

Cash advances

Date debited to your account

Paid in full

Balance transfer

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

• In-store Transactions and Transactions

• Balance Transfers and Storecard Transfers

• In-store 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, or 3% of the balance or £5 whichever is highest or your statement balance if less than £5.

Credit limit

Minimum credit limit


Maximum credit limit

Subject to status


• No annual fee


Cash fee

2.5% of the amount advanced, minimum £2.50

Balance transfers

2.5% handling fee, minimum £5

Copies of statements

£5 for an additional copy of a statement

Copies of vouchers

£5 for each copy of a voucher

Statement Date changes

£10, however the first statement date change is free

Data Protection Act enquiry


Foreign usage

Payment Scheme Exchange


MasterCard rates can be found at: under the ‘Using your card abroad’ section in FAQs

Dependent on the type of transaction you undertake one or more of the following charges will apply:

Exchange Rate Adjustment

2.75% added  to the MasterCard exchange rate

Cash fee

2.5% of the amount advanced, minimum £2.50

Default fees

If you exceed your credit limit


If your payment is late


If your cheque is returned unpaid


If a cheque for a balance transfer is returned unpaid


If we serve a default notice


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 magazine subscription). This agreement is between you and the retailer. The Direct Debit Guarantee does not cover these transactions.

partnership card™ is issued and managed by John Lewis Financial Services Limited which is covered by the HSBC Group of Companies, formed for the purpose of providing financial services to customers of the John Lewis Partnership . The partnership card is only available to persons aged 18 or over, who have a residential address in the UK, subject to status and conditions.

Points are earned on purchases made with the partnership card (but not on balance transfers, storecard transfers, payments by cheque and cash advances) at the rate of 1 Point for every £1 spent at John Lewis, Waitrose and at the rate of 1 Point for every £2 spent elsewhere. Points will be earned on whole pounds only on each purchase. The maximum number of Points that may be earned in any calendar year is 100,000. Points will be redeemed automatically three times a year at the rate of 100 points to each £1 of vouchers (minimum redemption 500 Points). Vouchers may be used at John Lewis, Waitrose and at John Lewis Direct. The partnership card Reward Programme is subject to the Reward Programme Rules which may vary from time to time.

For details of key product features please see the Summary Box.

partnership card is a trading name of John Lewis Financial Services Limited. John Lewis Financial Services Limited is incorporated in England with limited liability under Company Number 4645530. Registered office: 8 Canada Square, London E14 5HQ. Written quotations are available on request.

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 appropriate for 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.

This site is optimised for JavaScript enabled browsers. If you do not have a browser that supports JavaScript, functionality of this site will be severely limited.

BROWSER UPGRADE RECOMMENDATION: Netscape Navigator versions 4.05 and earlier plus Microsoft Internet Explorer 4.01 for Macintosh include security component which expired at the end of 1999. If you use one of these browsers, you may receive warning messages when connecting to certain secure websites such as ours after 31 December 1999. These messages may indicate that your connection cannot be verified, because your security component has expired. John Lewis Financial Services Limited recommends that users of either of these browsers upgrade their browser as soon as possible in order to avoid such warning messages.

Certain links, including hypertext links, in our site will take you outside our site. Links are provided for your convenience and inclusion of any link does not imply endorsement or approval by us of the linked site, its operator or its content. We are not responsible for the content of any website outside our site.

John Lewis Financial Services Limited is providing this site on an "as is" basis and makes no representations or warranties of any kind with respect to this site or its contents and disclaims all such representations and warranties. In addition, John Lewis Financial Services Limited makes no representations or warranties about the accuracy, completeness or suitability for any purpose of the information and related graphics published in this site. The information contained in this site may contain technical inaccuracies or typographical errors. All liability of John Lewis Financial Services Limited howsoever arising for any such inaccuracies or errors is expressly excluded to the fullest extent permitted by law.

Neither John Lewis Financial Services Limited nor any of its Directors, employees or other representatives will be liable for loss or damage arising out of or in connection with the use of this site. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties.

Notwithstanding the foregoing, none of the exclusions and limitations on this site are intended to limit any rights you may have as a consumer under common law or other statutory rights which may not be excluded nor in any way exclude or limit John Lewis Financial Services' liability to you for death or personal injury resulting from our negligence or that of our employees or agents.

Your private information should remain just that. It is stored on a computer and guarded both physically and electronically by our 24-hour surveillance system, which has been designed to be one of the most secure around.

If you wish to access and manage your partnership card account online, we ask you to have a Windows PC with Explorer 5.5 or above, or Netscape 6.0 or above.

You are also covered by our Safe Shopping Promise. This gives you an extra layer of protection when you're shopping online.

If you would like further details, please take a look at our help page.

How do you deal with complaints?

Our staff are trained to provide the highest standards of assistance and care to our customers, and we are committed to providing you with the best possible service at all times. Even the best organisations sometimes make mistakes, and if we do, or we fail to meet your expectations in some other way, we would like the opportunity to put things right as quickly as we can.

How do I make a complaint?

We operate a simple complaint procedure, which aims to resolve any problem quickly and effectively.

If you have a complaint, please contact us in any of the following ways.

Call: 0345 300 3833

Overseas: +44 121 214 5732

Calls may be monitored and/or recorded for security and service improvement purposes.

Textphone: 0121 265 3051

Write to us at:

partnership card services
Customer Complaints Team
PO BOX 5140

On receipt of your complaint, we will fully investigate all the issues raised and aim to resolve matters for you as quickly as possible, either by talking with you or by writing to you. However, depending on the nature of the issue we may not be able to resolve it as quickly as we would want to. If this is the case, we will keep you updated on our progress. When we reply to your complaint, if you consider that our response does not address your concerns, please let the person who handled your complaint know so that we have the opportunity to see if there is anything further we can do.

We recommend you do not send us information such as account details, but please provide your name, address and post code and preferred contact telephone. If we need to contact you, we will respond by telephone or letter. We always want to be able to resolve any concerns you raise with us. However, where you are not satisfied with the outcome, or if you have not received a reply from us within eight weeks of raising your complaint, you have the right to refer your case to the Financial Ombudsman Service.

You can contact the Financial Ombudsman Service in the following ways.

Call: 0300 123 9123


Write to:

The Financial Ombudsman Service
Exchange Tower
Harbour Exchange Square
E14 9GE

John Lewis Financial Services Limited, which issues and manages the partnership card, is a member of the Financial Ombudsman Service. For more information about the Financial Ombudsman Service please visit A copy of our Internal Complaints Procedures and details of the Financial Ombudsman scheme can be obtained upon request or click here to download a PDF copy.

International Payments Fee Free for Partnership Card Holders

  1. To take advantage of the offer, partnership card holders must register at between 01 October – 30 November 2015, selecting ‘Partnership card statement’ in the ‘How did you hear about us?’ section whilst registering.
  2. Transfer(s) must be made between 01 October – 30 November 2015. The offer is for new International Payments customers only. During this period all transfers will be fee free. A £9 standard charge for transfers under £3,000 normally applies.
  3. Transfers over £3,000 are fee free as standard. John Lewis International Payments reserves the right to cancel, amend, terminate or temporarily suspend this offer in the event of any unforeseen circumstances or technical reason outside its reasonable control, with no liability whatsoever to any entrants or third parties.
  1. The period during which the “Double Points on Overseas Spend” offer applies is 00:01 04 January 2016 – 11:59 21 February 2016 (the “Promotional Period”).
  2. During the Promotional Period you will earn double points, equivalent to 1 point per £1 spent, on non-sterling currency transactions made outside the United Kingdom (“Overseas Spend”), which includes:`
    • Spend made at merchants that accept MasterCard
  3. Double points cannot be earned on the following transactions or elements of a transaction:
    • Cash withdrawals made outside the United Kingdom
    • Spend made in non Sterling currency in the UK
    • Spend made in Waitrose branches in the Channel Islands
    • The 2.75% non-sterling currency transactions fee
    • Any transactions made in Cuba
  4. Double points (1 point per £1 spent) will only apply to the first £2,500 of Overseas Spend during the Promotional Period.  Any Overseas Spend after this point will earn 1 point per £2 spent as per the standard earn rate.
  5. Any foreign currency transactions are converted to Sterling by the card scheme (MasterCard) using wholesale market rates applying on the day conversion is made. Details of the MasterCard exchange rate can be found at or by calling Card Services on 0345 300 3833.
  6. For non-sterling currency transactions we will charge a fee of 2.75% of the amount of the transaction. This will be applied by an adjustment to the exchange rate.
  7. As a result of economic sanctions in place by the Office of Foreign Assets Control of the United States Department of the Treasury (US OFAC) there may be some countries where you are not able to use your partnership card. These sanctions are subject to change and additional information can be obtained from the US Treasury website
  8. Please see the Key Information section of your card agreement for further details of fees and your card terms and conditions for general reward programme rules.
  9. 1 point per £1 will be deducted from your accrued points for any items, purchased during the Promotional Period, that are subsequently returned and where you receive a refund.
  10. 1 point per £2 for all overseas transaction will be automatically applied to your March 2016 statement as per the card terms and conditions. An additional 1 point per £2 spent will be applied automatically to your April 2016 statement. Your points will be converted to vouchers in the June 2016 voucher period.
  11. If you feel that the correct points have not been applied to your April statement, please contact partnership card Customer Services on 0345 300 3833.
  12. This promotion and these terms and conditions are governed by English law and are subject to the exclusive jurisdiction of the English courts.
  13. Promoter: John Lewis Financial Services Limited, 8 Canada Square, London, E14 5HQ
  14. For a copy of this in large print, braille or on audio tape please call partnership card services on 0345 300 3833. If you need to contact us using a textphone please call our textphone number 0121 265 3051
  15. partnership card is a trading name of John Lewis Financial Services Limited. John Lewis Financial Services Limited is incorporated in England with limited liability under Company Number 4645530. Registered office: 8 Canada Square, London, E14 5HQ. © John Lewis Financial Services Limited XX 2015 ALL RIGHTS RESERVED.


John Lewis Bank Holiday Weekend Event Double Points full terms and conditions:

  1. The double points offer only applies to partnership card transactions made at John Lewis in store and online between 00.01 on Saturday 30 April and 23.59 on Monday 2 May 2016.
  2. Customers will earn Double Points (2 points per £1 spent) everywhere they would normally earn 1 point per £1, including;
  3. John Lewis

    • John Lewis shops
    • John Lewis Beauty services
    • John Lewis Food Halls
    • John Lewis Foreign Exchange bureaus (in store and online)
    • John Lewis Opticians
  4. Double Points cannot be earned on the following transactions:
  5. John Lewis

    • Concessions; including but not exclusive to Clarins Spa, Vodafone, Ham Holy Burger, Rossopomodoro, Hotel Chocolate, Jo & the Juice
    • Kuoni
    • John Lewis Insurance products
  6. 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
  7. Customers can earn double points on online orders, placed during the promotional period, where the dispatch, delivery or collection is after the 2 May 2016
  8. 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
  9. 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
  10. Customers will have 1 point per £1 for all John Lewis in store and online transaction applied to their May 2016 statement as per the card terms and conditions. The second (double) promotional point will be applied to customers June 2016 statement
  11. Where a customer feels that the correct points have not been applied to their June statement, customer to contact partnership card Customer services on 0845 300 3833
  12. Promoter: John Lewis Financial Services Limited
  13. AC39714.


With partnership card

  • Earn points in over 25 million MasterCard outlets worldwide
  • Convert points into vouchers to spend
  • Access hand-picked
    Special Offers
  • Enjoy high levels of card security
  • Representative 16.9% APR variable
Selection of partnership card colours