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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. Valid from 26 June 2012.

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 £5.
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 or more of the following charges will apply.
Non-Sterling Transaction fee 2.75% of the amount of the Sterling transaction value
Cash Fee 2.50% 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.

partnership card™ is issued and managed by John Lewis Financial Services Limited which is a 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: 0845 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
Coventry
CV3 9ES


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

Email: complaint.info@financial-ombudsman.org.uk

Write to:

The Financial Ombudsman Service
Exchange Tower
Harbour Exchange Square
London
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 www.financial-ombudsman.org.uk. 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.

1000 bonus points (worth £10) offer terms and conditions

To qualify for the 1000 bonus points offer you must apply in John Lewis or online at partnershipcard.co.uk and be accepted for a partnership card no later than 30 November 2014, and have made a purchase using the card no later than 31 December 2014. The bonus points will appear on your February 2015 partnership card statement. This offer may be withdrawn without notice. Offer only available to new partnership card accounts opened between 1 October and 30 November 2014. Offer not available to existing partnership card holders or previous partnership card holders. This offer cannot be used in conjunction with any other offer.

Terms and conditions apply. Credit subject to status. 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 September 2014. ALL RIGHTS RESERVED.

  1. The double points offer only applies to partnership card transactions made at Waitrose and John Lewis in store and online between 00.01 on Saturday 15 November and 23.59 on Sunday 16 November 2014.
  2. Customers will earn Double Points (2 points per £1 spent) everywhere they would normally earn 1 point per £1, including;

    John Lewis

    • John Lewis shops
    • John Lewis Beauty services including Blink Brow Bar
    • John Lewis Food Halls
    • John Lewis Foreign Exchange Bureaux (in store and online)
    • John Lewis Opticians
    • johnlewis.com

    Waitrose

    • Waitrose shops
    • www.waitrose.com
    • www.waitroseentertaining.com
    • www.waitrosecellar.com
    • www.waitroseflowers.com
    • www.waitrosegifts.com
    • waitrosegarden.com
    • waitrosepet.com
    • Waitrose Welcome Breaks
    • Little Waitrose at Shell filling stations

    Double Points cannot be earned on the following transactions:

    John Lewis

    • Catering concessions; Ham Holy Burger, Rossopomodoro, Hotel Chocolate, Jo & the Juice
    • Kuoni
    • John Lewis Insurance including Home, Car, Pet, Wedding, Travel and Life

    Waitrose

    • Lloyds Pharmacy
    • Boots Pharmacy
    • Johns & Kelyneck Pharmacy
    • Admiral Pharmacy (Guernsey)
    • Hove Pharmacy
    • Post Office and Guernsey Post
    • Johnson Cleaners
    • CPV Hand Car Wash
    • Camelot Lottery
    • Laura Ashley
    • Costa Coffee
    • Thomas Cook
    • Arnolds Estate Agents
    • PhotoMe booths

    Other

    • Leckford Farm Shop
    • Longstock Park Nursery
  3. 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 weekend.
  4. Customers can earn double points on online orders, placed during the promotional period, where the dispatch, delivery or collection is after the 16 November 2014.
  5. 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. After 00.01 on 15 December 2014, any changes to a customer’s order will not be factored into the Double Points calculation.
  6. 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.
  7. Customers will have 1 point per £1 for all Waitrose and John Lewis in store and online transaction applied to their December 2014 statement as per the card terms and conditions. The second (double) promotional point will be applied to customers January 2015 statement.
  8. Where a customer feels that the correct points have not been applied to their January statement, customer to contact partnership card Customer Services on 0845 300 3833.

Promoter: John Lewis Financial Services Limited.

AC30775

Win John Lewis and Waitrose vouchers to the value of £10,000 full prize description:

There is one prize, being John Lewis & Waitrose Gift Vouchers to the value of £10,000 which will be supplied to the winner within 6 weeks of 31 December 2014.

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Prize Draws Terms and Conditions

Promoter: John Lewis Financial Services Limited, 8 Canada Square, London, E14 5HQ.

  1. The period during which the monthly prize draws will take place will run from 00:01 1 September 2014 – 11:59 30 November 2014 (the “Promotional Period”). During the Promotional Period, one prize draw will take place during each of the following periods: 1 - 30 September 2014; 1-31 October 2014; and, 1 - 30 November 2014 (the “Prize Draws”).
  2. partnership card holders will receive one automatic entry into the relevant Prize Draw for each retail transaction of any amount that concludes during the Promotional Period. Every entry will be made into the Prize Draw for the month in which the retail transaction concludes. 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 each 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 Island, the Channel Islands and the Isle of Man) and be aged 18 or over.
  7. Any prizes 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. No cash alternative is available for any prize.
  9. Prizes
    1. Prize Draw for 1-30 September 2014:
      There will be one winning entry during this period. The winner will choose between:
      • Holiday 1 - a trip for two to the 2015 UEFA Champions League Final in Berlin from 4-8 June 2015; or
      • Holiday 2 - a trip for two to Paris for 5 days of sightseeing and shopping during April 2015. Prize winner and guest must be available to travel for 5 days in April 2015.
        This prize is courtesy of MasterCard. For full prize terms and conditions visit partnershipcard.co.uk/prizedraw.
    2. Prize Draw for 1-31 October 2014:
      There will be one winning entry during this period. The prize will be a 7 day holiday experience for two in luxury accommodation in Miami, Florida, from 18-24 February 2015. The winner and their guest will also attend the 2015 Food Network & Cooking Channel South Beach Wine & Food Festival presented by FOOD & WINE. This prize is courtesy of MasterCard. For full prize terms and conditions visit partnershipcard.co.uk/prizedraw.
    3. Prize Draw for 1-30 November 2014:

      There will be one winning entry during this period. The prize will be John Lewis & Waitrose Gift Vouchers to the value of £10,000. The winner will receive this prize no later than six weeks after 31 December 2014. For full prize terms and conditions visit partnershipcard.co.uk/prizedraw.

  10. There may be an element included in a 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 winners and their guests 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 each prize will be one entrant from each Prize Draw drawn at random from all validly submitted entries. The winner will be selected within 7 days of the end of each Prize Draw period. Other entrants will not receive any direct communication to confirm that they were not successful. The winners will be selected at random by an independent third party.
  14. Each winner will be contacted by email or by telephone within one calendar month following the end of each Prize Draw period. Acceptance of the prize must be made by the winners by telephone or email within 7 days of notification. The winners’ names and counties will be available on request for six weeks from 31 December 2014 by sending a SAE to Sarah Kaye, Partnership Card Competition, John Lewis Financial Services Limited, 171 Victoria Street, London SW1E 5NN to be received on or after 31 December 2014.
  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 any 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 winners 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 Draws. If, in our reasonable discretion, we consider that it is unreasonable that the Prize Draws should proceed, whether due to some administrative error or otherwise, then we may declare the Prize Draws 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 30 September 2014 for September, 31 October 2014 for October, and 30 November for November. One posted entry received by us will constitute one entry into the Prize Draw for the month in which the post card is received. Delayed, damaged, incomplete, or illegible entries will not be accepted. Proof of posting is not proof of receipt. No third party or bulk entries will be accepted.
  19. If you wish to opt out of automatic entry into the Prize Draws every time you make a transaction using your partnership card, please email your request to prizedraw_partnershipcard@johnlewis.co.uk. 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 winners wish to opt out at that time, a replacement winner will be drawn.
  20. Entry to the Prize Draws 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. Terms and conditions apply. Credit subject to status. For a copy of this in large print, braille or on audio tape please call partnership card services on 0845 300 3833. If you need to contact us using a textphone please call our textphone number 0121 265 3051. 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 April 2014
    ALL RIGHTS RESERVED.

AC29583

Prize Draws: Prize Specific Terms and Conditions

5 days in Berlin during the 2015 UEFA Champions League Final full prize description:

This prize is courtesy of MasterCard, official sponsor of the UEFA Champions League. The prize consists of a trip for 2 to the 2015 UEFA Champions League Final in Berlin between the dates of 4-8 June, 2015. The prize is non-transferable and is only available to the winner and one guest aged 18 or over. Both travel and accommodation are included in the prize. The winner must take full responsibility for their passport, travel insurance and any necessary travel visas. The prize includes only what is specifically described below and no other allowance will be granted. All hotel incidentals must be paid for by the winner and their guest before departure back to the UK.

Included in the prize are the following: a) 4 nights’ accommodation for two people at the Regent Berlin, a Five Star Hotel; b) Return economy airfare for two people to Berlin from the major airport closest to the winner’s residence on the airline of MasterCard’s choosing; c) a €400 (Euro) MasterCard prepaid card; d) All transportation to/from airport and to/from all events; e) All airport taxes, fees and fuel charges; f) Luxury gift bag; g) Onsite Concierge. Day One includes: Meet and greet at airport, car transfer to luxury accommodation, welcome reception; Day Two includes Breakfast at hotel, day at leisure in Berlin, Priceless Experience at the Final team training session; Day Three includes: Breakfast at hotel, pre-match hospitality at a premier restaurant, two category 1 tickets to the 2015 UEFA Champions League Final; Day Four includes: Breakfast at hotel, private tour of Berlin, dinner at trendy Berlin restaurant; Day Five includes: Breakfast at hotel, car service to airport, departure.

AC29583


5 day Paris experience full prize description:

This prize is courtesy of MasterCard. The prize consists of a trip for 2 to Paris for sightseeing and shopping experience during April 2015. Prize winner and guest must be available to travel for 5 days in April 2015. The prize is non-transferable and is only available to the winner and one guest aged 18 or over. Both travel and accommodation are included in the prize. The winner must take full responsibility for their passport, travel insurance and any necessary travel visas. The prize includes only what is specifically described below and no other allowance will be granted. All hotel incidentals must be paid for by the winner and their guest before departure back to the UK.

Included in the prize are the following: a) 4 nights’ accommodation for two people at a luxurious Paris hotel; b) Return economy airfare for two people to Paris from the major airport closest to the winner’s residence on the airline of MasterCard’s choosing; c) a €700 (Euro) MasterCard prepaid card; d) All transportation to/from airport and to/from all events; e) All airport taxes, fees and fuel charges; f) Luxury gift bag; g) Onsite Concierge. Day One includes: Meet and greet at airport, car transfer to luxury accommodation, welcome reception; Day Two includes: Breakfast at hotel, Private tour of the Louvre, Dinner at a trendy restaurant; Day Three includes: Breakfast at hotel, receive a professional makeover, photo shoot around Paris’s iconic sites, dinner at leisure; Day Four includes: Breakfast at hotel, shopping with personal stylist, Dinner atop the Eiffel Tower at acclaimed Jules Verne; Day Five includes: Breakfast at hotel, car service to airport, departure.

AC29583


7 days in Miami, Florida during the 2015 Food Network & Cooking Channel South Beach Wine & Food Festival presented by FOOD & WINE full prize description:

This prize is courtesy of MasterCard. The Prize consists of a trip for 2 to the 2015 Food Network & Cooking Channel South Beach Wine & Food Festival in Miami, Florida between the dates of 18-24 February 2015. The prize is non-transferable and is only available to the winner and one guest aged 18 or over. Both travel and accommodation are included in the prize. The winner must take full responsibility for their passport, travel insurance and any necessary travel visas. The prize includes only what is specifically described below and no other allowance will be granted. All hotel incidentals must be paid for by the winner and their guest before departure back to the UK.

Included in the Prize are the following: a) 6 nights’ accommodation for two people in a luxury hotel; b) Return economy airfare for two (people to either Miami, Florida or Fort Lauderdale, Florida (winner’s choice) from the major airport closest to the winner’s residence on the airline of MasterCard’s choosing c); $600 (US Dollars) MasterCard prepaid card; d) All transportation to/from airport (excluding domestic travel to UK airport) and to/from all prize events; e) All airport taxes, fees and fuel charges; f) Luxury gift bag; g) Onsite Concierge. Day One includes: Meet and greet at airport, car transfer to luxury accommodation; Day Two includes: Breakfast at hotel, Day at leisure in South Beach, two tickets to a Food Network South Beach Wine & Food Festival event; Day Three includes: Breakfast at hotel, two tickets to a Food Network South Beach Wine & Food Festival event, Two tickets to the exclusive Chef After-party; Day Four includes: Breakfast at hotel, two tickets to the Grand Tasting including MasterCard Demo passes, evening at leisure; Day Five includes: Breakfast at hotel, two tickets to brunch with a celebrity chef, two tickets to a Food Network South Beach Wine & Food Festival event; Day Six includes: Breakfast at hotel, shopping at leisure in South Beach, Dinner Reception; Day Seven includes: Breakfast at hotel, car service to airport, departure.

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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