- 1 point per £1 spent at John Lewis, JohnLewis.com opens in a new window, Waitrose, Waitrose.com opens in a new window, Greenbee.com opens in a new window and Ocado, Ocado.com opens in a new window
- 1 point per £2 you spend everywhere else
- Every 500 points you earn is worth £5 in vouchers
- 0% on all Balance Transfers for the first six months, a 2.5% Balance Transfer fee applies (minimum £5)
- You earn points in over 25 million MasterCard outlets worldwide
- We convert points into vouchers to spend, which we'll send to you three times a year
- You get access to exclusive partnership cardholder events and Special offers
- Your card is protected by high levels of security including our Safe Shopping Promise
- Typical 16.9% APR (variable)
Earning vouchers with the partnership card™ couldn't be easier - the hard part is deciding what to treat yourself with. You can choose from a range of over 350,000 products at John Lewis and Waitrose.
We know you might have some questions about the partnership card.
So we've answered them here.
See our previous Summary Box.
| The information contained in this table summarises key product features and is not intended to replace any terms and conditions. | ||||||
| APR | Typical 16.9% APR variable | |||||
|---|---|---|---|---|---|---|
| Other interest rates | Introductory Rate Effective | Introductory Rate Simple | Monthly Rate | Annual Rate Effective | Annual Rate Simple | |
| Retail Purchases within/not within John Lewis Partnership | 0%* | 0.0%* | 1.313% | 16.9% | 15.756% | |
| Balance Transfers** | 0%* | 0.0%* | 1.313% | 16.9% | 15.756% | |
| Storecard Transfers** | 0%* | 0.0%* | 1.313% | 16.9% | 15.756% | |
| Cheque Transactions | N/A | N/A | 1.313% | 16.9% | 15.756% | |
| Cash Advances | N/A | N/A | 1.805% | 23.9% | 21.660% | |
| *fixed for 6 months from date account is opened. Please see "Allocation of Payments" below. **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 | Purchases: If the balance is not paid in full, interest on the outstanding balance is charged from the date the transaction is charged to the account until payment is made in full. | |||||
| Cash Advances and Cheque Transactions: Interest is charged from the date of the transaction until payment is made in full. | ||||||
| Balance Transfers and Storecard Transfers: Interest is charged from the date of the transaction until payment is made in full. No interest will be charged on Default Charges. | ||||||
| Allocation of Payments | If you do not pay off your balance in full, payments we receive are applied first to Payment Protection Insurance premiums, then to Default and other charges, fees, interest and then Balance Transfers, Storecard Transfers, Cheque Transactions, Purchases and Cash Advances with lower rate introductory or promotional items repaid before items with no introductory or promotional rate, unless we notify you otherwise. Please refer to "Allocation of Payments" section in your Agreement for a full breakdown. | |||||
| Minimum repayment | Monthly minimum repayments of £5 or 3% of the balance (whichever is greater). In some circumstances we may allow you to pay less than the monthly minimum payment and we will tell you when we do this. | |||||
| Amount of credit | Minimum Credit limit £250, maximum credit limit subject to status. | |||||
| Fees | No Annual Fee. | |||||
| Charges | A fee of 2.5% of the amount of each Balance Transfer and each Storecard Transfer will be incurred (the Balance Transfer fee will be a minimum of £5). 2.5% handling fee (minimum £2.50) of the amount of each cash advance (includes cash withdrawals and purchases of foreign currency and travellers cheques). A 2.75% administration charge on non-sterling transactions. A fee of £5 to stop a cheque. The first statement date change is free, subsequent changes £10. Data Protection Act enquiry £10. Copy vouchers £5 and copy statements £5. We will not charge interest on any transaction or instore transaction shown on your current statement if you pay in full the Statement Balance shown on your current statement by the required payment date. | |||||
| Default charges | - £12 overlimit administration fee - £12 overdue administration fee - £12 cheque returned unpaid - £12 unpaid credits and direct debits - £12 if we have to serve a default notice - We will not charge interest on Default Charges paid by you | |||||
| 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 | |||
| The above example assumes the following: the transaction takes place on 1st January and you make no further transactions; you always make the payments on the 15th; your statement is produced 31 days after you make the purchase; interest is calculated on the typical 16.9% APR variable rate and introductory rates are included. | ||||||
Return to current Summary Box.
| The information contained in this table summarises key product features and is not intended to replace any terms and conditions. | ||||||
| APR | Typical 16.9% APR variable | |||||
|---|---|---|---|---|---|---|
| Other interest rates | Introductory Rate Effective | Introductory Rate Simple | Monthly Rate | Annual Rate Effective | Annual Rate Simple | |
| Retail Purchases within/not within John Lewis Partnership | 0%* | 0.0%* | 1.313% | 16.9% | 15.756% | |
| Balance Transfers** | 0%* | 0.0%* | 1.313% | 16.9% | 15.756% | |
| Storecard Transfers** | 0%* | 0.0%* | 1.313% | 16.9% | 15.756% | |
| Cheque Transactions | N/A | N/A | 1.313% | 16.9% | 15.756% | |
| Cash Advances | N/A | N/A | 1.805% | 23.9% | 21.660% | |
| *fixed for 6 months from date account is opened. Please see "Allocation of Payments" below. **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 | Purchases: If the balance is not paid in full, interest on the outstanding balance is charged from the date the transaction is charged to the account until payment is made in full. | |||||
| Cash Advances and Cheque Transactions: Interest is charged from the date of the transaction until payment is made in full. | ||||||
| Balance Transfers and Storecard Transfers: Interest is charged from the date of the transaction until payment is made in full. No interest will be charged on Default Charges. | ||||||
| Allocation of Payments | If you do not pay off your balance in full, payments we receive are applied first to Payment Protection Insurance premiums, then to Default and other charges, fees, interest and then Balance Transfers, Storecard Transfers, Cheque Transactions, Purchases and Cash Advances with lower rate introductory or promotional items repaid before items with no introductory or promotional rate, unless we notify you otherwise. Please refer to "Allocation of Payments" section in your Agreement for a full breakdown. | |||||
| Minimum repayment | Monthly minimum repayments of £5 or 3% of the balance (whichever is greater). In some circumstances we may allow you to pay less than the monthly minimum payment and we will tell you when we do this. | |||||
| Amount of credit | Minimum Credit limit £500, maximum credit limit subject to status. | |||||
| Fees | No Annual Fee. | |||||
| Charges | A fee of 2.5% of the amount of each Balance Transfer and each Storecard Transfer will be incurred (the Balance Transfer fee will be a minimum of £5). 2.5% handling fee (minimum £2.50) of the amount of each cash advance (includes cash withdrawals and purchases of foreign currency and travellers cheques). A 2.75% administration charge on non-sterling transactions. A fee of £5 to stop a cheque. The first statement date change is free, subsequent changes £10. Data Protection Act enquiry £10. Copy vouchers £5 and copy statements £5. We will not charge interest on any transaction or instore transaction shown on your current statement if you pay in full the Statement Balance shown on your current statement by the required payment date. | |||||
| Default charges | - £12 overlimit administration fee - £12 overdue administration fee - £12 cheque returned unpaid - £12 unpaid credits and direct debits - £12 if we have to serve a default notice - We will not charge interest on Default Charges paid by you | |||||
| 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 | |||
| The above example assumes the following: the transaction takes place on 1st January and you make no further transactions; you always make the payments on the 15th; your statement is produced 31 days after you make the purchase; interest is calculated on the typical 16.9% APR variable rate and introductory rates are included. | ||||||
We recommend that you pay more than the minimum payment whenever possible. If you make only the minimum payment each month it will take you longer and cost you more to clear your balance, as shown in the example above.
