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Privacy policy

This Privacy Statement sets out our current policies about how your personal and financial information is dealt with and demonstrates our commitment to your privacy. We may change the content or services found on our site at any time without notice, and consequently our privacy policy may change at any time in the future. You agree to revisit this page regularly and your continued access to or use of this site will mean that you agree to any changes.

For essential information about using our website, please read the legal information provided.

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.

(Non-Sterling) Cash Fee: 2.75% of the amount advanced, minimum £2.50.

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 £50.
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.
Exchange Rate Adjustment: 2.75% added to the MasterCard Exchange Rate.
Cash Fee: 2.75% 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.

Public areas onsite are those that can be viewed without you having to log into your account. These also exclude the full Special Offers page - which requires you to enter the first 6 digits of your partnership card number to be viewed.

When using the public portion of the site you are not required to provide us with any personal information and we do not monitor or collect any personally identifiable information from you on your use of the public portions of the site. We may track the number of users who visit areas of the site, but this tracking will not identify you.

We may also record the location of your computer on the internet for systems administration and trouble-shooting purposes and to report aggregate information.

If you provide us with certain up-to-date data about yourself, such as applying for a credit card, we will handle that data in accordance with the Data Protection Act 1998.

We maintain strict security standards and procedures to prevent unauthorised access of your data by anyone, including our staff. We use secure technologies including data encryption, firewalls and server authentication to protect the security of your data. All our Group companies, staff and third parties who provide our support services are required to observe our privacy standards and allow us to audit them for compliance.

John Lewis Financial Services Limited and companies in the John Lewis Partnership will never release your personal details to any company outside the John Lewis Partnership for mailing or marketing purposes.

Cookies are pieces of information that a website transfers to your computer's hard drive for record keeping purposes. Cookies can make the internet more useful by storing information about your preferences on particular sites and enabling website owners to provide more useful features to their users. Cookies contain no name or address information or any information that will enable anyone to contact you via telephone, email or any other means.

Most web browsers are initially set to accept cookies but if you prefer you can set your browser to disable cookies or inform you when they are set. However, given that we may sometimes use cookies you may not be able to take full advantage of our website if you disable them.

Our web pages use tracking technology to enable us to count users who have visited certain pages on our website. We do not use tracking data to access your personal information and it is simply a tool we use to analyse which web pages customers' view, in an aggregated manner. If you prefer us not to collect any such information, simply set your browser to disable cookies. Information on how to disable cookies can be obtained by referring to your browser help function, often found in the menu at the top of the screen.

We sometimes work with third parties to research certain usage and activities on our website on our behalf. No personal information about you is shared, however in the course of conducting this research these third parties may place a unique cookie on your browser.

If you have any questions regarding privacy issues, please call partnership card services on 0345 300 3833 lines are open 24 hours, 7 days a week. To ensure the accuracy of our conversation and to help us to continually improve our service and in the interest of security, we may monitor and/or record your telephone calls with us.

With partnership card

  • You earn points in over 25 million MasterCard outlets worldwide
  • We convert points into vouchers to spend
  • You get access to handpicked Special Offers
  • Your card is protected by high levels of security
  • Representative 16.9% APR variable
Selection of partnership card colours