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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.
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 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


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: 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.

1000 points offer terms and conditions

To qualify for the 1000 bonus points offer you must apply in John Lewis or online at and be accepted for a partnership card no later than 12 April 2015, and have made a purchase using the card no later than 31 May 2015. The bonus points will appear on your August 2015 partnership card statement. This offer may be withdrawn without notice. Offer only available to new partnership card accounts opened between 1 March and 12 April 2015. Offer not available to existing partnership card holders or previous partnership card holders. This offer cannot be used in conjunction with any other offer.

Applicants must be UK residents (excluding the Channel Islands), aged 18 or over, and have a household income of more than £4,000 a year. 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 March 2015. ALL RIGHTS RESERVED.

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

  1. This prize draw forms part of the 10 year anniversary campaign taking place during the 1 September 2014 and 31 January 2015 promotional period. The prize draw will run from 00:01 1 December 2014 – 11:59 31 January 2015 (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 1 December 2014 - 31 January 2015: There will be one prize during this period. The prize, for one winner and their guest, comprises the following: 2 x VIP tickets to The Olivier Awards 2015 with MasterCard at The Royal Opera House, London on 12/04/2015; a pre-show Michelin star lunch (the winner will be given a £250 allowance at the restaurant chosen by the Promoter, to cover everything including wine and service for both the winner and guest); 2 x tickets to The Post Awards Celebration at The Royal Opera House; 1 night luxury accommodation (at a hotel chosen by the Promoter) including breakfast (based on double occupancy); return transfers to and from The Olivier Awards and the hotel; return transfers from home to London (allowance £600 in total for the return journey to London for both winner and guest); and £250 spending money. This prize will be provided by MasterCard. The winner and their guest (who must also be aged 18 or over) must abide by the terms and conditions of The Olivier Awards tickets which form part of their prize. Conditions: Doors open at 5.00pm and guests must be seated no later than 6.00pm. Please note latecomers will not be admitted until a suitable break in the performance. Dress code is strictly black tie and glamorous and ticket holders may be refused entry if their dress code does not comply. No cameras or video equipment should be used during the ceremony. All mobiles must be switched off for the duration of the event. The ceremony will be broadcast on television and radio. By entering the theatre you will be deemed to have consented to being filmed and/or photographed, and to the resulting coverage being used in any media, worldwide and without time limit and without recompense. Tickets are subject to the terms and conditions of the venue. Any ticket holder who is not acting in adherence with venue regulations will be ejected from the venue and will forfeit their right for re-entry. The Theatre Owner or Venue Management reserves the right to refuse admission in reasonable circumstances. Whilst at the venue, you must not: be drunk, intoxicated, under the influence of drugs, underage, be abusive, threatening, make or incite racial abuse, chant, use offensive language, make obscene gestures, throw items, behave anti-socially, carry laser pens, bring animals (except guide dogs), carry offensive weapons or illegal substances, carry candles, climb any structure, make excessive noise, offer any item for sale, damage the Venue, or smoke. The Venue may confiscate any items which in their reasonable opinion may cause danger or disruption to other people at the Venue. Failure to comply with the terms and conditions may result in refused entry, or ticket holders being required to leave the Event. The Venue (The Royal Opera House) reserves the right to refuse entry to the event to any person regardless if they have a valid ticket.
  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’ name and county will be available on request for six weeks from 28 February 2015 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 28 February 2015.
  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.
  23. 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 0345 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.


John Lewis Easter Weekend Event Double Points 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 Thursday 2 April and 23.59 on Monday 6 April 2015. The double points offer excludes Waitrose in store and online transactions.
  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
  3. Double Points cannot be earned on the following transactions:

    John Lewis

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

  4. 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.
  5. Customers can earn double points on online orders, placed during the promotional period, where the dispatch, delivery or collection is after the 6 April 2015.
  6. 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.
  7. 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.
  8. Customers will have 1 point per £1 for all John Lewis in store and online transaction applied to their May 2015 statement as per the card terms and conditions. The second (double) promotional point will be applied to customers June 2015 statement.
  9. 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.
  10. Promoter: John Lewis Financial Services Limited.
  11. AC31880

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