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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.

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