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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.

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. This prize draw forms part of a marketing campaign taking place during the 12 October 2015 and 31 December 2015 promotional period (the “Promotional Period”). The prize draw will take place within 7 days after the end of the Promotional Period
  2. partnership card holders will receive one automatic entry into the prize draw for each retail transaction of any amount made during the Promotional Period. Overseas transactions will be included.
  3. Balance Transfers and Cash Advances (including purchases of foreign currency, travellers’ cheques and gambling transactions) are excluded.
  4. At the time of the prize draw only partnership card holders whose account is open, not in arrears and within its credit limit are eligible for entry into the draw.
  5. This promotion is not open to employees (including their close family) of the Promoter, John Lewis plc, Waitrose Limited, the HSBC Group, or any advertising agencies affiliated with the preceding entities.
  6. Entrants must be residents in the UK (this excludes Northern Ireland, the Channel Islands and the Isle of Man) and be aged 18 or over.
  7. The prize will be taken by the winning partnership card holder, unless otherwise agreed in writing by us. We will act reasonably when deciding whether the prize can be taken by another person.
  8. Sale, or any attempted sale, of any part of a prize is prohibited and will result in the prize being withdrawn. The prize is non-transferable, and no cash alternative is available. If the prize offered is unavailable due to circumstances beyond the control of the Promoter, the Promoter can offer an alternative prize of equal or greater value.
  9. Prize Draw Prize for 12 October 2015 – 31 December 2015. All cardholders will be automatically entered. There will be three prizes during this period. One in October, one in November and one in December. The prize, for one winner and their guest, comprises the following for one winner and one guest: flights, airport transfers in New York, luxury accommodation and admission to the New York City Food and Wine Festival (15-18 October 2016) with culinary demo passes. The package also includes admission to an exclusive Festival event, a celebrity chef meet and greet, brunch with a celebrity chef and evening Festival event. Winners and guests must be 21 years of age or older to attend the festival events. Winners must travel on dates specified by MasterCard. Winners are responsible for any incidental charges and associated travel fees such as airport transfers in the UK, baggage and passports.
  10. There may be an element included in the prize that is subject to specific restrictions (e.g. height, weight, age, ill-health or disability) and the winner or their chosen guest is unable to participate in that element of the prize. The winner should inform the Promoter at the time of winning or as soon as possible afterwards of any conditions or circumstances that would exclude the winner or their guest from participating in any element of the prize.
  11. The winner and their guest will be bound by any terms imposed by any third parties providing services as part of the prizes.
  12. We remind you that you and your guest must comply with all relevant laws, rules and regulations, restrictions, itinerary, health and safety instructions, regulations and codes in relation to the prizes.
  13. The winner of the prize draw will be drawn at random by an independent third party from all validly submitted entries. The winner will be selected within 7 days of the end of the prize draw period. Other entrants will not receive any direct communication to confirm that they were not successful.
  14. The winner will be contacted by email or by telephone within one calendar month following the end of the prize draw period. Acceptance of the prize must be made by the winner by telephone or email within 7 days of notification. The winners’ names and counties will be available on request for six weeks from 11 January 2016 by sending a stamped, addressed envelope to Partnership Card Competition, John Lewis Financial Services Limited, 171 Victoria Street, London, SW1E 5NN to be received on or after 28 February 2016.
  15. In the event that the winner refuses acceptance of the prize or, for whatever reason, cannot accept the prize, or if the Promoter is unable to make contact with the winner within the time frames set out in paragraph 14 or the winner does not confirm their details for receipt of the prize, the Promoter reserves the right to re-draw the prize and award it to an alternative winner.
  16. The winner and their guest may be asked to take part in post-prize draw publicity, but this will only take place with their written consent by email or letter.
  17. The Promoter’s decision is final and no other correspondence will be entered into regarding the outcome of the prize draw. If, in our reasonable discretion, we consider that it is unreasonable that the prize draw should proceed, whether due to some administrative error or otherwise, then we may declare the prize draw void.
  18. No purchase necessary. For an alternative route of entry please send your name, address, email address and telephone number on a postcard to Partnership Card JLFS Marketing, 10th Floor, John Lewis Plc, 171 Victoria Street, London, SW1E 5NN by 31 January 2014.
  19. If you wish to opt out of automatic entry into the prize draw every time you make a transaction using your partnership card, please email your request to partnership card holders will receive one automatic entry into the prize draw for every eligible retail transaction, and therefore may be entered into the competition without their knowledge. However, all winners must accept these terms and conditions before being eligible to their prize. If the winner wishes to opt out at that time, a replacement winner will be drawn.
  20. Entry to the prize draw shall constitute acceptance of these terms and conditions and entrants agree to be bound by them. Any breach of these terms and conditions by the winner may result in forfeiture of their prize.
  21. This promotion and these terms and conditions are governed by English law and subject to the exclusive jurisdiction of the English courts.
  22. The Promoter will not be liable (to the extent permitted by law) for any loss or damage arising out of organising or holding this promotion or as a result of participation in the promotion or as a result of your winning, collecting, use or enjoyment of any prize, or if the promotion does not run as planned. This clause does not seek to exclude the liability of the Promoter for (a) death or personal injury caused by its negligence, (b) fraud or fraudulent misrepresentation, and/or (c) any other matter for which it would be unlawful for the Promoter to exclude or attempt to exclude its liability. The Promoter can change these terms and conditions or cancel the promotion at its absolute discretion and without incurring liability as a result. The Promoter’s decision is final and no correspondence will be entered into regarding the conduct or outcome of the promotion. It is the winner(s)’ responsibility to comply (at their own expense) with any laws requiring payment of any tax, duty, levy or similar impost relating to the award of any prize, and the Promoter shall have no responsibility in respect thereof.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 October 2015 ALL RIGHTS RESERVED. AC38416
  1. To qualify for the £10 Voucher offer you must apply for a partnership card no later than 6 December 2015, be accepted, and have made at least one purchase using the card no later than 10 January 2016
  2. To qualify for the offer you must use the card to make a purchase in John Lewis, Waitrose (in store and online) or any merchant that accepts MasterCard
  3. The £10 voucher can only be used to pay for goods in John Lewis and Waitrose, in store or online
  4. The £10 voucher will be sent to you in the post 3-4 weeks after the first time you use your partnership card. This will be separate to your loyalty vouchers
  5. This offer may be withdrawn without notice
  6. Offer  only available to new partnership card accounts opened between 12 October  2015 and 6 December 2015. Offer not available to existing partnership card holders or previous partnership card holder
  7. This offer cannot be used in conjunction with any other offer
  8. If the £10 voucher has not been received after 4 weeks please contact partnership card Customer Services on 0845 300 3833
  9. Applicants for the partnership card must be UK residents (excluding the Channel Islands), aged 18 or over, and have a household income of more than £4,000 a year. Credit subject to status. Full terms and conditions for the partnership card can be found at
  10. Promoter: John Lewis Financial Services Limited, 8 Canada Square, London, E14 5HQ


John Lewis at Home and Waitrose Basingstoke Double Points Promotion

Terms and Conditions

  1. The double points offer only applies to partnership cardTM transactions made at the John Lewis at Home and Waitrose Basingstoke stores between 00.01 on Thursday 12 November and 23.59 on Sunday 22 November 2015
  2. Customers will earn Double Points (2 points per £1 spent) for net value of purchases made in the John Lewis at Home and Waitrose Basingstoke stores where they would normally earn 1 point per £1
  3. Double Points cannot be earned on the following transactions:
    • John Lewis transactions made at any other John Lewis store
    • John Lewis online, including click and collect from the John Lewis at Home and Waitrose Basingstoke stores
    • Concessions, including any in John Lewis at Home Basingstoke
    • Waitrose transactions made at any other Waitrose Store
    • Waitrose Online transactions including click and collect from the John Lewis at Home and Waitrose Basingstoke stores
  4. 2 points per £1 will be deducted from customer’s accrued points for any qualifying items, purchased during the promotional period in store, that are subsequently returned and where a customer receives a refund
  5. Customers will have 1 point per £1 for all qualifying transactions applied to their statement as per the card terms and conditions. The second (extra) promotional points will be applied in customer’s February 2016 statement
  6. Where a customer feels that the correct points have not been applied to their statement, they should contact partnership card Customer services on 0345 300 3833
  7. Promoter: John Lewis Financial Services Limited
  8. AC38567.

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