John Lewis Partnership Credit Card
Terms and conditions
All customers
Credit card terms & conditions
General rewards & points rules
1. Introduction
When your application for a Partnership Credit Card is accepted, you will automatically be enrolled in the Partnership Credit Card Reward Programme which is operated by John Lewis plc. This Programme will enable you to earn and redeem Points in accordance with these rules (the “Rules”). All terms used in these Rules are defined in Rule 15.
2. Eligible Purchases
You will earn Points at the rates described in Table 1 when using your Partnership Credit Card (including transactions made with a Partnership Credit Card provisioned on Apple Pay or Google PayTM) on Eligible Purchases:
a) Partnership Spend: at John Lewis Shops, johnlewis.com, John Lewis Foreign Currency, John Lewis Insurance, John Lewis Food Halls, Waitrose stores, Waitrose.com, Waitrose Welcome Breaks, waitroseentertaining.com, waitrosecellar.com, waitrosegarden.com, and Kuoni (in John Lewis stores and Kuoni branded stores);
b) Non-Partnership Spend: Spend at all other retailers and at John Lewis and Waitrose shop concessions, including but not limited to John Lewis Beauty Services, Joe & the Juice, Benugo Cafe, Clarins Spa, KuPP, Vodafone shop, Nespresso Boutiques, David Clulow Opticians, Lloyds Pharmacy, Boots Pharmacy, Johns & Kelyneck Pharmacy, Admiral Pharmacy, Hove Pharmacy, Post Office, Johnson Cleaners, Costa Coffee, Arnolds Estate Agents and PhotoMe booths, Leckford Farm Shop, Longstock Park Nursery, Waitrose at Shell Petrol stations and Kuoni holidays booked via non Kuoni stores via another travel agent, transactions made using another payment service that are later debited to your Partnership Credit Card (for example, PayPal and Curve card transactions made at John Lewis or Waitrose);
c) Foreign Spend: Partnership Spend or Non-Partnership Spend made outside the United Kingdom.
3. Earning Points
a) You will earn Points on each Eligible Purchase from the date that eligible spend is posted to your Account. The Points you earn will be reduced by the amount of any Eligible Purchases that are refunded to your Account or returned by you.
b) You will not earn Points for balance transfers, cash advances or cash related payments (which include but are not limited to cash withdrawals, payments to financial organisations e.g. repaying borrowing such as personal loans, buy now pay later providers like ClearPay and Klarna, buying lottery tickets, purchasing foreign currency (except John Lewis Foreign Currency) and for any money transfer services (like Wise, Remitly), interest and charges).
c) Except as otherwise set out in Table 1, any fractions of a Point are rounded down to the nearest whole number.
d) Points that you earn will be redeemed under these Rules but have no other monetary value.
e) Points are calculated on eligible purchases once the transaction has been cleared on your account. This is usually a few days after you make the transaction.
f) Points are added once your transaction has been cleared on a regular basis. Any additional points accumulated during your August Variation will be added the following month for each August Variation period.
g) We may change the basis on which Points are earned by giving you reasonable notice as provided for under these Rules.
h) August Variation: For the dates specified in Table 1, you will be able to earn points for your Eligible Purchases from 1 August - 31 August of the year in John Lewis stores and the John Lewis website.
4. Points earning limits
The maximum number of Points that you can earn in any calendar year is 100,000 Points. If this limit is exceeded in any calendar year, you will not be able to earn further Points on Eligible Purchases until after the beginning of the next calendar year.
5. Redeeming Points
a) You do not have to take any action to redeem Points. John Lewis plc will redeem Points automatically at the rate of £1 of vouchers for 100 Points.
b) John Lewis plc will redeem Points three times a year in February, June and October when John Lewis plc will send you vouchers for the Points held at that time. You will receive vouchers during these months when your monthly Partnership Credit Card statement indicates that Points are being redeemed. If you do not receive vouchers by the end of the subsequent month, please contact John Lewis Credit Card Customer Services. John Lewis plc will only accept claims for non-delivery of vouchers for up to six months after the end of the month during which they were sent out by us.
c) The minimum redemption will be 500 Points, giving a voucher of £5. Points will be redeemed for vouchers in multiples of £5. Any Points that have not been redeemed will be carried forward to the next redemption period.
d) Points that have been held in your Account for 2 years will expire and cannot be redeemed.
e) John Lewis plc may change the basis on which Points are redeemed, the months in which Points are redeemed, and the frequency of redemption by giving you reasonable notice.
6. Vouchers
a) Your vouchers can only be used to make purchases of goods or services at John Lewis shops, johnlewis.com, Waitrose shops and waitrose.com. John Lewis plc will advise you if you are able to use your vouchers in any other locations.
b) The use of vouchers may be subject to restrictions that John Lewis plc will advise you of when your vouchers are sent to you.
c) If the goods purchased in Waitrose & Partners and John Lewis & Partners shops total less than the value of the gift voucher, the change will be put onto a gift card.
d) Vouchers may not be exchanged directly for cash.
7. When Points will not be earned or redeemed
If:
a) you are in breach of the terms of the Credit Card Agreement,
b) your Partnership Credit Card has been cancelled or suspended,
c) a renewal of your Partnership Credit Card has been refused, or
d) you are suspected of fraud,
you will not earn Points and you can not redeem any Points while any of these circumstances continue.
8. Statements
The monthly Partnership Credit Card statement will show details of the Points you hold and the Points you have earned and the Points that have been redeemed during the previous month.
9. Information about the Programme
If you require any information or assistance in connection with the Programme or the earning or redemption of Points, please visit https://www.johnlewismoney.com/credit-cards/partnership-card/contact-and-support/points-and-vouchers.html
10. Termination
a) If your Account is closed for any reason, all Points earned but not redeemed at the date of closure will be forfeited. All vouchers that have already been issued to you will remain valid.
b) We reserve the right to terminate the Programme by giving you reasonable notice. If we do this all Points will be redeemed under these Rules at the date of closure and all vouchers that have already been issued to you will remain valid.
11. Transfer of Points
Points may not be transferred or sold.
12. Tax liability
You or your advisers are responsible for determining any tax liability in respect of your participation in the Programme and the earning and redeeming of Points and we are not able to give you advice concerning this.
13. Changes to the programme
In addition to the specific changes referred to in these Rules, we may change the Programme or the Rules by giving you reasonable notice.
14. Notices
Any notice we may give you under these Rules may be given in writing via:
email to your registered email address; or
by post to your registered postal address; or
by publishing any changes via johnlewismoney.com website.
15. Definitions
In these Rules:
“Account” means the Partnership Credit Card account maintained in your name under the Credit Card Agreement with the credit card issuer;
“Credit Card Agreement” means the consumer credit agreement made between you and the credit card issuer for the Partnership Credit Card;
“Eligible Purchases” has the meaning provided in Clause 2;
“John Lewis Insurance” means general insurance from John Lewis Money;
“John Lewis” means the John Lewis Partnership or its subsidiaries including John Lewis plc, and other members of the group from time to time;
“Partnership Credit Card” and “Partnership Card” mean the Partnership Credit Card issued to you by the credit card issuer under the Credit Card Agreement;
“Points” means the points earned and redeemed under the Programme;
“Programme” means the Partnership Credit Card Reward Programme, the terms of which are set out in these Rules;
“Waitrose” means Waitrose Limited;
“We”, “we” or “us” means John Lewis plc; and
“You” or “you” means you, the person in whose name we maintain the Account.
Apple Pay is a trademark of Apple Inc. Google Pay™ is a trademark of Google LLC.
Table 1 - Earning Points Rates and Information
1 September to 31 July | 1 August to 31 August* | |
|---|---|---|
Partnership Spend | - 1 Point for every £1 spent (with any amount spent between 80p - 99p in a pound being rounded up to receive 1 Point); and - 1 additional Point for every £4 spent (totalling 5 Points for every £4 spent). | at John Lewis Shops and John Lewis Food Halls: - 3 Points for every £1 spent (with any amount spent between 80p - 99p in a pound being rounded up to receive 3 Points); and - 3 additional Points for every £4 spent (totalling 15 Points for every £4 spent)
- 2 Points for every £1 spent (with any amount spent between 80p - 99p in a pound being rounded up to receive 2 Points); and - 2 additional Points for every £4 spent (totalling 10 Points for every £4 spent). - 1 Point for every £1 spent (with any amount spent between 80p - 99p in a pound being rounded up to receive 1 Point); and - 1 additional Point for every £4 spent (totalling 5 Points for every £4 spent). |
Non-Partnership Spend | 1 Point for every £10 spent | 1 Point for every £10 spent |
Foreign Spend | 1 Point for every £10 spent after the relevant currency conversion has been applied | 1 Point for every £10 spent after the relevant currency conversion has been applied |
* Only valid for 1 to 31 August 2025 (inclusive); 1 to 31 August 2026 (inclusive); and 1 to 31 August 2027 (inclusive). For August in 2028 onwards, the Earning Points Rate for August will be the same as for the column “1 September - 31 July” in Table 1.
Offers
New Customer Double Points for accounts opened from 2 June 2025
1. These Offer Terms and Conditions (the “Offer Terms”) are an agreement between you and us and apply to any application you make for a Partnership Credit Card (the “Card”). They apply in addition to, and should be read together with, the Partnership Credit Card Terms & Conditions and Reward Programme Rules. In the event of any conflict, these Offer Terms will apply.
2. In these Offer Terms, “we” or “us” means John Lewis plc, 1 Drummond Gate, Pimlico, London SW1V 2QQ.
3. The Offer may be withdrawn at any time without notice. Any applications received after we have withdrawn the Offer will not qualify for the Offer.
4. To be eligible for the Offer you must:
a) apply (either in store or online) for and open a Partnership Credit Card, and
b) use your Partnership Credit Card for at least one Partnership Spend Eligible Purchase (this means spend at John Lewis Shops, johnlewis.com, John Lewis Foreign Currency, John Lewis Insurance, John Lewis Food Halls, Waitrose stores, Waitrose.com, Waitrose Welcome Breaks, waitroseentertaining.com, waitrosecellar.com, waitrosegarden.com, and Kuoni (in John Lewis stores and Kuoni branded stores) within 60 days of opening your account.
5. If you meet the other requirements set out in these Offer Terms, you will be eligible for Double Points (as defined in clause 7 below) on Partnership Spend Eligible Purchases (as defined in clause 4(b)) for a period of 60 days from the date you open your Partnership Credit Card account (together, the “Offer”), subject to clause 9.
6. Acceptance for the Card is subject to eligibility requirements and affordability and credit checks. You are not guaranteed to be accepted for a Partnership Credit Card.
7. Double Points means:
a) 2 points for every £1 spent (with any amount spent between 80p - 99p in a pound being rounded up to receive 2 points); and
b) 2 additional points for every £4 spent (totalling 10 points for every £4 spent).
8. This Offer excludes spend on your Partnership Credit Card on Non-Partnership Spend. This means spend at all other retailers and at John Lewis and Waitrose shop concessions, including but not limited to John Lewis Beauty Services, Joe & the Juice, Benugo Cafe, Clarins Spa, KuPP, Vodafone shop, Nespresso Boutiques, David Clulow Opticians, Lloyds Pharmacy, Boots Pharmacy, Johns & Kelyneck Pharmacy, Admiral Pharmacy, Hove Pharmacy, Post Office, Johnson Cleaners, Costa Coffee, Arnolds Estate Agents and PhotoMe booths, Leckford Farm Shop, Longstock Park Nursery, Waitrose at Shell Petrol stations and Kuoni holidays booked via non Kuoni stores via another travel agent, transactions made using another payment service that are later debited to your Partnership Credit Card (for example, PayPal and Curve card transactions made at John Lewis or Waitrose).
9. You will not earn Double Points on transactions which have been posted to your credit card account after the end of the 60 day promotional period.
Application of Bonus Points
10. Double Points are calculated and added once the transaction has been cleared on your account. This is usually a few days after you make the transaction.
11. Points and gift vouchers are subject to the Reward Programme Rules. For full details please read the Reward Programme Rules.
August Variation
12. You will be eligible for the Earning Points Rates under the August Variation as set out in the Reward Programme Rules based on the date you open your Partnership Credit Card as set out in Table 1, below.
General terms
13. The Offer is not transferable and cannot be used in conjunction with any other Partnership Credit Card offer, including but not limited to any other promotional Double or bonus points offer.
Table 1 - August Variation Eligibility Information
Date Card is opened (inclusive) | August Variations you are eligible for |
|---|---|
Up to 1 June 2025 | August 2025 |
From 2 June 2025 to 1 June 2026 | August 2026 |
From 2 June 2026 to 1 June 2027 | August 2027 |
From 2 June 2027 onwards | None |
Date Card is opened (inclusive)
Up to 1 June 2025 | |
August Variations you are eligible for | August 2025 |
From 2 June 2025 to 1 June 2026 | |
August Variations you are eligible for | August 2026 |
From 2 June 2026 to 1 June 2027 | |
August Variations you are eligible for | August 2027 |
From 2 June 2027 onwards | |
August Variations you are eligible for | None |
0% interest for 6 months Purchase Offer via selected comparison websites (where applicable)
The 0% interest offer is only available on card applications made via selected price comparison websites.
The offer period lasts for 6 calendar months from account opening.
Every purchase made on the account during that period will be charged at 0% interest until the end of the 6-month promotional period. When the offer period ends you will pay the standard purchase rate on any remaining purchase balance. The 0% interest offer only applies to purchases and does not apply to any other types of transaction including balance transfers and cash transactions (which include but are not limited to cash withdrawals, payments to financial organisations e.g. repaying borrowing such as personal loans, buying lottery tickets and purchasing foreign currency).
If you do not make at least your minimum contractual payment in full and on time or if you go over your credit limit your promotional rate will be cancelled and you'll pay the standard purchase rate (as shown on your statement) on any purchase balance outstanding.
0% interest for 3 months Purchase Offer via selected comparison websites (where applicable)
The 0% interest offer is only available on card applications made via selected price comparison websites.
The offer period lasts for 3 calendar months from account opening.
Every purchase made on the account during that period will be charged at 0% interest until the end of the 3-month promotional period. When the offer period ends you will pay the standard purchase rate on any remaining purchase balance. The 0% interest offer only applies to purchases and does not apply to any other types of transaction including balance transfers and cash transactions (which include but are not limited to cash withdrawals, payments to financial organisations e.g. repaying borrowing such as personal loans, buying lottery tickets and purchasing foreign currency).
If you do not make at least your minimum contractual payment in full and on time or if you go over your credit limit your promotional rate will be cancelled and you'll pay the standard purchase rate (as shown on your statement) on any purchase balance outstanding.
0% interest for 6 months Purchase Offer via in-store channels for applications made between 7 January 2025 and 28 January 2027
The 0% interest offer applies only to card applications made in a John Lewis store (this is limited to an application completed with a John Lewis Partner in-store or via a John Lewis in-store generated “Register Your Interest” email link). Applications made online on the John Lewis Money website without using a “Register Your Interest” email link or via a third-party site, such as a comparison website, will not qualify for this offer. Alternative offers may be available from time to time.
The offer period lasts for 6 calendar months from account opening.
Every purchase made on the account during that period will be charged at 0% interest until the end of the 6-month promotional period. When the offer period ends you will pay the standard purchase rate on any remaining purchase balance. The 0% interest offer only applies to purchases and does not apply to any other types of transaction including balance transfers and cash transactions (which include but are not limited to cash withdrawals, payments to financial organisations e.g. repaying borrowing such as personal loans, buying lottery tickets and purchasing foreign currency).
If you do not make at least your minimum contractual payment in full and on time or if you go over your credit limit your promotional rate will be cancelled and you'll pay the standard purchase rate (as shown on your statement) on any purchase balance outstanding.
Bonus reward points on previous JLP spend for JL Money customers, courtesy of Mastercard – new customer offer (ends 14 August 2026)
1. These Offer Terms and Conditions (the “Offer Terms”) are an agreement between you and us. They apply where an application for a new Partnership Credit Card issued by NewDay Ltd (the “Card”) is accepted between 00:00 on 15 July 2026 and 23:59 on 14 August 2026, inclusive. They apply in addition to, and should be read together with, the Partnership Credit Card Terms and Conditions and Reward Programme Rules. In the event of any conflict, these Offer Terms will apply. Open only to new applicants who receive the Offer communication.
2. The “Promoter” is John Lewis Finance Limited. In these Offer Terms, “we”, “us” or “our” means John Lewis Finance Limited, 1 Drummond Gate, Pimlico, London, SW1V 2QQ.
3. The Offer may be withdrawn without notice. Any application NewDay Ltd receives after we have withdrawn the Offer will not qualify for the Offer.
4. If you are eligible for the Offer you will receive bonus rewards points as set out in these Offer Terms and the promotional email. The points will be added to your Card account no later than 30 September 2026.
5. To be eligible for the Offer you must:
(i) use the same email address by which you received the Offer communication to apply for your Card;
(ii) have opened a Card account between 00:00 on 15 July 2026 and 23:59 on 14 August 2026;
(iii) have had a minimum Eligible Spend (as defined below) of £50 between 02 December 2025 - 31 May 2026 (“Spend Period”);
(iv) use your Card to make a purchase of any value anywhere Mastercard is accepted, within 30 days of your account being opened; and
(v) not already have, have held, or applied for a Partnership Credit Card in the last 12 months prior to your current application.
6. “Eligible Spend” is any spend that is made with the John Lewis Partnership including spend at John Lewis shops, johnlewis.com, John Lewis Foreign Currency, John Lewis Insurance, John Lewis Food Halls, Waitrose stores, Waitrose.com, Waitrose Welcome Breaks, and waitrosecellar.com subject to any exclusions set out in the paragraph below.
This Offer excludes spend at all other retailers and at John Lewis and Waitrose shop concessions, including but not limited to Kuoni (Kuoni at John Lewis, Kuoni own brand stores and Kuoni concessions), John Lewis Beauty Services, Joe & the Juice, Benugo Cafe, Clarins Spa, KuPP, Vodafone shop, Nespresso Boutiques, David Clulow Opticians, Lloyds Pharmacy, Boots Pharmacy, Johns & Kelyneck Pharmacy, Admiral Pharmacy, Hove Pharmacy, Post Office, Johnson Cleaners, Costa Coffee, Arnolds Estate Agents and PhotoMe booths, Leckford Farm Shop, Longstock Park Nursery and Waitrose at Shell Petrol stations
Eligible Spend will need to comply with the Partnership Credit Card Terms and Conditions and Reward Programme Rules at all times.
The “Offer”
7. You will receive bonus rewards points based on your Eligible Spend made during the Spend Period, up to a maximum of 5,000 points.
i) Those with Eligible Spend between £50 and £799.99 will receive two times the Partnership Credit Card reward points based on that spend, and the total amount of points accrued will be topped up to 2000 points;
ii) Those with Eligible Spend between £800 and £2,000 will receive two times the Partnership Credit Card reward points based on that spend, equivalent to between 2,000 and 5,000 points; and
iii) Those with Eligible Spend above £2000 will receive 5000 points.
8. For the avoidance of doubt, you will not be eligible for points on any Eligible Spend within the Spend Period which we cannot match to your John Lewis or Waitrose account associated with your email address to which you received this communication, this includes but is not limited to cash transactions or online transactions where you check out as a guest.
9. Points will be deducted from your accrued points for any items purchased during the Spend Period in store and online that are subsequently returned and/or refunded. If any such return or refund results in your total Eligible Spend falling below the £50 minimum threshold, the Offer points will not be awarded or will be removed.
10. Points are redeemed automatically as John Lewis & Waitrose gift vouchers in February, June and October each year (where the points balance is at least 500 points).
11. Points redeemed from this Offer will not exceed 5,000 points.
12. Points and gift vouchers are subject to the Partnership Credit Card Reward Programme Rules. Please refer to the Reward Programme Rules for details of the circumstances in which points will not be earned or redeemed, or will be forfeited.
13. This Offer is not transferable and may only be used in conjunction with our New Customer Double Points offer, unless otherwise stated.
John Lewis Finance Limited is authorised and regulated by the Financial Conduct Authority as a credit broker (firm reference number: 1018169). Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. Registered in England and Wales (company number: 15785347). John Lewis Finance Limited is a credit broker, not a lender, introducing the Partnership Credit Card under exclusive arrangements with lender NewDay Ltd.
Credit is provided by NewDay Ltd. Registered in England and Wales (company number: 7297722). Registered office: 7 Handyside Street, London, N1C 4DA. NewDay Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number: 690292) and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (firm reference number: 555318) for the provision of payment services.
The Partnership Credit Card is issued by NewDay Ltd pursuant to license by Mastercard International Incorporated.
£10 Voucher Offer between 21 April and 20 May 2026 (John Lewis & Waitrose)
1. These Offer Terms and Conditions (the “Offer Terms”) are an agreement between you and us and apply to Eligible Spend on your Partnership Credit Card (the “Card”) from 00.01am on 21 April 2026 to 23.59pm on 20 May 2026, inclusive (“Offer Period”). They apply in addition to, and should be read together with, the Partnership Credit Card Terms and Conditions and Reward Programme Rules. In the event of any conflict, these Offer Terms will apply.
2. The “Promoter” is John Lewis Finance Limited. In these Offer Terms, “we” or “us” means John Lewis Finance Limited, 1 Drummond Gate, Pimlico, London SW1V 2QQ.
Eligibility
3. This Offer is open to existing Partnership Credit Card account holders who have an open account and received the corresponding email invitation.
4. To be eligible for the Offer (as defined below) you must use your Card to spend at least £100 on Eligible Spend (as defined in clause 7 below) either in store or online at John Lewis or Waitrose during the Offer Period.
5. This Offer cannot be used in conjunction with any other Card offers including the introductory Double Points Offer which may continue to apply to applications made on or after 21 February 2026.
The Offer
6. If you meet the requirements set out in these Offer Terms, you will be eligible for 1,000 Partnership Credit Card points (£10 in gift vouchers). The Offer can only be earned once per account.
7. “Eligible Spend” means a single or multiple purchases with accumulated value of at least £100 on your Card at John Lewis stores, johnlewis.com, John Lewis Food Halls, Waitrose stores, Waitrose.com, Waitrose Welcome Breaks, waitrosecellar.com, waitrosegarden.com, subject to any exclusions set out in the paragraph below.
This Offer excludes spend on your Card at all other retailers and at John Lewis and Waitrose shop concessions, including but not limited to Kuoni (Kuoni at John Lewis, Kuoni own brand stores and Kuoni concessions), John Lewis Foreign Currency, John Lewis Insurance, Beauty Services, Joe & the Juice, Benugo Cafe, Clarins Spa, KuPP, Vodafone shop, Nespresso Boutiques, David Clulow Opticians, Lloyds Pharmacy, Boots Pharmacy, Johns & Kelyneck Pharmacy, Admiral Pharmacy, Hove Pharmacy, Post Office, Johnson Cleaners, Costa Coffee, Arnolds Estate Agents and PhotoMe booths, Leckford Farm Shop, Longstock Park Nursery.
8. Spend made to your Card account outside of the Offer Period will not be Eligible Spend for the purpose of this Offer. Only spend which has been posted to your Partnership Credit Card account will be Eligible Spend for the purpose of this Offer.
9. You will not earn any points for any other type of transaction on your card including balance transfers, cash advances or cash related payments, interest and charges.
10. Points will be deducted from your accrued points for any items purchased during the Offer Period in store and online that are subsequently returned and/or refunded.
Application of Bonus Points
11. On Eligible Spend which qualifies for 1,000 Partnership Credit Card points, we will apply them to your account in July 2026 before your next voucher mailing on or around October 2026.
12. Points are redeemed automatically as John Lewis and Waitrose gift vouchers in February, June and October each year (where the total points balance is at least 500 points).
13. Points and gift vouchers are subject to the Partnership Credit Card Reward Programme rules at https://www.johnlewismoney.com/partnership-credit-card/terms-and-conditions.
General Terms
14. There are no charges associated with the fulfilment of the Offer.
15. The Offer is not transferable.
16. The decision of the Promoter regarding any aspect of the Offer is final and binding and no correspondence will be entered into.
17. The Promoter reserves the right to suspend, cancel, or amend the Offer where it becomes necessary to do so, with no liability to any entrants or third parties.
18. This Offer and any issues arising out of it shall be governed in accordance with English Law and are subject to the exclusive jurisdiction of the English courts.
£10 Voucher Offer between 21 April and 20 May 2026 (John Lewis)
1. These Offer Terms and Conditions (the “Offer Terms”) are an agreement between you and us and apply to Eligible Spend on your Partnership Credit Card (the “Card”) from 00.01am on 21 April 2026 to 23.59pm on 20 May 2026, inclusive (“Offer Period”). They apply in addition to, and should be read together with, the Partnership Credit Card Terms and Conditions and Reward Programme Rules. In the event of any conflict, these Offer Terms will apply.
2. The “Promoter” is John Lewis Finance Limited. In these Offer Terms, “we” or “us” means John Lewis Finance Limited, 1 Drummond Gate, Pimlico, London SW1V 2QQ.
Eligibility
3. This Offer is open to existing Partnership Credit Card account holders who have an open account and received the corresponding email invitation.
4. To be eligible for the Offer (as defined below) you must use your Card to spend at least £100 on Eligible Spend (as defined in clause 7 below) either in store or online at John Lewis during the Offer Period.
5. This Offer cannot be used in conjunction with any other Card offers including the introductory Double Points Offer which may continue to apply to applications made on or after 21 February 2026.
The Offer
6. If you meet the requirements set out in these Offer Terms, you will be eligible for 1,000 Partnership Credit Card points (£10 in gift vouchers). The Offer can only be earned once per account.
7. “Eligible Spend” means a single or multiple purchases with accumulated value of at least £100 on your Card at John Lewis stores, johnlewis.com, John Lewis Food Halls, subject to any exclusions set out in the paragraph below.
This Offer excludes spend on your Card at Waitrose stores, Waitrose.com, Waitrose Welcome Breaks, waitrosecellar.com, waitrosegarden.com. It also excludes spend at all other retailers and at John Lewis and Waitrose shop concessions, including but not limited to Kuoni (Kuoni at John Lewis, Kuoni own brand stores and Kuoni concessions), John Lewis Foreign Currency, John Lewis Insurance, Beauty Services, Joe & the Juice, Benugo Cafe, Clarins Spa, KuPP, Vodafone shop, Nespresso Boutiques, David Clulow Opticians, Lloyds Pharmacy, Boots Pharmacy, Johns & Kelyneck Pharmacy, Admiral Pharmacy, Hove Pharmacy, Post Office, Johnson Cleaners, Costa Coffee, Arnolds Estate Agents and PhotoMe booths, Leckford Farm Shop, Longstock Park Nursery.
8. Spend made to your Card account outside of the Offer Period will not be Eligible Spend for the purpose of this Offer. Only spend which has been posted to your Partnership Credit Card account will be Eligible Spend for the purpose of this Offer.
9. You will not earn any points for any other type of transaction on your card including balance transfers, cash advances or cash related payments, interest and charges.
10. Points will be deducted from your accrued points for any items purchased during the Offer Period in store and online that are subsequently returned and/or refunded.
Application of Bonus Points
11. On Eligible Spend which qualifies for 1,000 Partnership Credit Card points, we will apply them to your account in July 2026 before your next voucher mailing on or around October 2026.
12. Points are redeemed automatically as John Lewis and Waitrose gift vouchers in February, June and October each year (where the total points balance is at least 500 points).
13. Points and gift vouchers are subject to the Partnership Credit Card Reward Programme rules at https://www.johnlewismoney.com/partnership-credit-card/terms-and-conditions.
General Terms
14. There are no charges associated with the fulfilment of the Offer.
15. The Offer is not transferable.
16. The decision of the Promoter regarding any aspect of the Offer is final and binding and no correspondence will be entered into.
17. The Promoter reserves the right to suspend, cancel, or amend the Offer where it becomes necessary to do so, with no liability to any entrants or third parties.
18. This Offer and any issues arising out of it shall be governed in accordance with English Law and are subject to the exclusive jurisdiction of the English courts.
£10 Voucher Offer between 21 April and 20 May 2026 (Waitrose)
1. These Offer Terms and Conditions (the “Offer Terms”) are an agreement between you and us and apply to Eligible Spend on your Partnership Credit Card (the “Card”) from 00.01am on 21 April 2026 to 23.59pm on 20 May 2026, inclusive (“Offer Period”). They apply in addition to, and should be read together with, the Partnership Credit Card Terms and Conditions and Reward Programme Rules. In the event of any conflict, these Offer Terms will apply.
2. The “Promoter” is John Lewis Finance Limited. In these Offer Terms, “we” or “us” means John Lewis Finance Limited, 1 Drummond Gate, Pimlico, London SW1V 2QQ.
Eligibility
3. This Offer is open to existing Partnership Credit Card account holders who have an open account and received the corresponding email invitation.
4. To be eligible for the Offer (as defined below) you must use your Card to spend at least £100 on Eligible Spend (as defined in clause 7 below) either in store or online at Waitrose during the Offer Period.
5. This Offer cannot be used in conjunction with any other Card offers including the introductory Double Points Offer which may continue to apply to applications made on or after 21 February 2026.
The Offer
6. If you meet the requirements set out in these Offer Terms, you will be eligible for 1,000 Partnership Credit Card points (£10 in gift vouchers). The Offer can only be earned once per account.
7. “Eligible Spend” means a single or multiple purchases with accumulated value of at least £100 on your Card at Waitrose stores, Waitrose.com, Waitrose Welcome Breaks, waitrosecellar.com, waitrosegarden.com, subject to any exclusions set out in the paragraph below.
This Offer excludes spend on your Card at John Lewis stores, johnlewis.com, John Lewis Food Halls. It also excludes spend at all other retailers and at John Lewis and Waitrose shop concessions, including but not limited to Kuoni (Kuoni at John Lewis, Kuoni own brand stores and Kuoni concessions), John Lewis Foreign Currency, John Lewis Insurance, Beauty Services, Joe & the Juice, Benugo Cafe, Clarins Spa, KuPP, Vodafone shop, Nespresso Boutiques, David Clulow Opticians, Lloyds Pharmacy, Boots Pharmacy, Johns & Kelyneck Pharmacy, Admiral Pharmacy, Hove Pharmacy, Post Office, Johnson Cleaners, Costa Coffee, Arnolds Estate Agents and PhotoMe booths, Leckford Farm Shop, Longstock Park Nursery.
8. Spend made to your Card account outside of the Offer Period will not be Eligible Spend for the purpose of this Offer. Only spend which has been posted to your Partnership Credit Card account will be Eligible Spend for the purpose of this Offer.
9. You will not earn any points for any other type of transaction on your card including balance transfers, cash advances or cash related payments, interest and charges.
10. Points will be deducted from your accrued points for any items purchased during the Offer Period in store and online that are subsequently returned and/or refunded.
Application of Bonus Points
11. On Eligible Spend which qualifies for 1,000 Partnership Credit Card points, we will apply them to your account in July 2026 before your next voucher mailing on or around October 2026.
12. Points are redeemed automatically as John Lewis and Waitrose gift vouchers in February, June and October each year (where the total points balance is at least 500 points).
13. Points and gift vouchers are subject to the Partnership Credit Card Reward Programme rules at https://www.johnlewismoney.com/partnership-credit-card/terms-and-conditions.
General Terms
14. There are no charges associated with the fulfilment of the Offer.
15. The Offer is not transferable.
16. The decision of the Promoter regarding any aspect of the Offer is final and binding and no correspondence will be entered into.
17. The Promoter reserves the right to suspend, cancel, or amend the Offer where it becomes necessary to do so, with no liability to any entrants or third parties.
18. This Offer and any issues arising out of it shall be governed in accordance with English Law and are subject to the exclusive jurisdiction of the English courts.
£40 in bonus reward points for myJL customers, courtesy of Mastercard - new customer offer (ends 20 April 2026)
These Offer Terms and Conditions (the “Offer Terms”) are an agreement between you and us and apply to any application you make for a Partnership Credit Card (the “Card”). The Offer Terms apply in addition to, and should be read together with, the Partnership Credit Card Terms and Conditions and General Reward & Points Rules. In the event of any conflict, these Offer Terms will apply.
In these Offer Terms, “we” or “us” means John Lewis plc, 1 Drummond Gate, Pimlico, SW1V 2QQ.
The Offer may be withdrawn at any time without notice. Any applications received after we have withdrawn the Offer will not qualify for the Offer.
To be eligible for the Offer (as defined in clause 6 below) you must:
a) apply via the link in the Rewards and benefits section of your myJL account or the link in the myJL email with the Offer for a Partnership Credit Card;
b) submit your application for a Card between 25 March 2026 and 20 April 2026 inclusive, using the same email address to apply for the Card that is registered for your myJL account;
c) spend a minimum of £250 on the Card on Eligible Partnership Spend (as defined in clause 5 below) within 45 days of opening your Card, should your application for the Card be successful (of which you will be notified by email); and
d) have not been a Partnership Credit Cardholder or Thrive Credit Cardholder in the 12 months prior to your new application.“Eligible Partnership Spend” is defined as spend on your Card, with the inclusions and exclusions below:
a) Includes spend at: John Lewis Shops, johnlewis.com, John Lewis Foreign Currency, John Lewis Insurance, John Lewis Food Halls, Waitrose stores, Waitrose.com, Waitrose Welcome Breaks, waitroseentertaining.com, waitrosecellar.com, waitrosegarden.com, and Kuoni (in John Lewis stores and Kuoni branded stores).
b) Excludes spend at: all other retailers and at John Lewis and Waitrose shop concessions, including but not limited to John Lewis Beauty Services, Joe & the Juice, Benugo Cafe, Clarins Spa, KuPP, Vodafone shop, Nespresso Boutiques, Lloyds Pharmacy, Boots Pharmacy, Johns & Kelyneck Pharmacy, Admiral Pharmacy, Hove Pharmacy, Post Office, David Clulow Opticians, Johnson Cleaners, Costa Coffee, Arnolds Estate Agents and PhotoMe booths, Leckford Farm Shop, Longstock Park Nursery, Waitrose at Shell Petrol stations and Kuoni holidays booked via non Kuoni stores via another travel agent, transactions made using another payment service that are later debited to your Partnership Credit Card (for example, PayPal and Curve card transactions made at John Lewis or Waitrose).
c) Excludes: any other type of transaction on your card including balance transfers, cash advances or cash related payments (which include but are not limited to cash withdrawals, payments to financial organisations e.g. repaying borrowing such as personal loans, buy now pay later providers like ClearPay and Klarna, buying lottery tickets, purchasing foreign currency (except John Lewis Foreign Currency) and for any money transfer services (like Wise, Remitly), interest and charges).If you meet the Offer requirements set out in these Offer Terms, you will receive £40 worth of bonus rewards points to your Partnership Credit Card account (the “Offer”). This will be in the form of 4,000 points and will be added to your account no later than 30 June 2026.
In line with the General Rewards & Points Rules, John Lewis plc will redeem Points three times a year in February, June and October when John Lewis plc will send you vouchers for the Points held at that time. This means that, if you qualify for the 4,000 bonus points, they will be redeemed either in June or October, depending on the date of account opening.
Any items purchased during the first 45 days from account opening (that count towards the £250 eligible spend criteria) that are subsequently returned and/or refunded may result in the 4,000 points being reversed, if the Eligible Partnership Spend excluding these transactions is less than the qualifying £250.
The Offer is not transferable and may only be used in conjunction with our New Customer Double Points offer, unless otherwise stated.
Easter double points offer (31 March - 6 April 2026)
1. These offer terms and conditions (the “offer terms”) are an agreement between you and us and apply to eligible spend on your Partnership Credit Card (the “card”) from 00.01am on 31 March 2026 to 23.59pm on 6 April 2026, inclusive (“offer period”). They apply in addition to, and should be read together with, the Partnership Credit Card Terms and Conditions and Reward Programme Rules. In the event of any conflict, these offer terms will apply.
2. The “promoter” is John Lewis Finance Limited. In these offer terms, “we” or “us” means John Lewis Finance Limited, 1 Drummond Gate, Pimlico, London SW1V 2QQ.
Eligibility
3. This offer is open to existing Partnership Credit Card account holders who have an open account.
4. To be eligible for the offer (as defined below) you must:
a) Opt-in to the offer within the communications you received or visit the cardholder exclusives offer page (https://www.johnlewisfinance.com/partnership-credit-card/cardholder-exclusives) to submit the email address you have linked to your card, and
b) Use your card on eligible spend (as defined in clause 9 below) either in store or online at John Lewis or Waitrose during the offer period.
5. The ability to switch on the offer will be withdrawn at 23.59pm on 6 April 2026 and no more entries will be accepted after this date.
6. This offer cannot be used in conjunction with any other card offers including the introductory double points offer which may continue to apply to applications made on or after 31 January 2026.
The offer
7. If you meet the requirements set out in these offer terms, you will be eligible for double points (as defined in clause 8 below) on eligible spend at John Lewis or Waitrose (as defined in clause 9 below) for the offer period (“the offer”).
8. Double points means:
2 points for every £1 of eligible spend (with any amount spent between 80p - 99p in a pound being rounded up to receive 2 points during the offer period); and
2 additional points for every £4 of eligible spend (totalling 10 points for every £4 of eligible spend)
9. “Eligible Spend” means spend on your card at John Lewis stores, johnlewis.com, John Lewis Food Halls, Waitrose stores, Waitrose.com, Waitrose Welcome Breaks, waitroseentertaining.com, waitrosecellar.com, waitrosegarden.com, subject to any exclusions set out in the paragraph below.
This offer excludes spend on your card at all other retailers and at John Lewis and Waitrose shop concessions, including but not limited to Kuoni (Kuoni at John Lewis, Kuoni own brand stores and Kuoni concessions), John Lewis Foreign Currency, John Lewis Insurance, Beauty Services, Joe & the Juice, Benugo Cafe, Clarins Spa, KuPP, Vodafone shop, Nespresso Boutiques, David Clulow Opticians, Lloyds Pharmacy, Boots Pharmacy, Johns & Kelyneck Pharmacy, Admiral Pharmacy, Hove Pharmacy, Post Office, Johnson Cleaners, Costa Coffee, Arnolds Estate Agents and PhotoMe booths, Leckford Farm Shop, Longstock Park Nursery.
10. Spend made to your card account outside of the offer period will not be Eligible Spend for the purpose of this offer. Only spend which has been posted to your Partnership Credit Card account will be Eligible Spend for the purpose of this offer.
11. By opting in to receive the offer, you understand that for the purposes of administering the offer and fulfilment, it is necessary for the promoter to hold and process your personal data. Please see our privacy notice here: https://www.johnlewisfinance.com/privacy.html.
12. You will not earn any points for any other type of transaction on your card including balance transfers, cash advances or cash related payments, interest and charges.
13. Points will be deducted from your accrued points for any items purchased during the offer period in store and online that are subsequently returned and/or refunded.
Application of bonus points
14. On eligible spend which qualify for double points, we will calculate the points earned and apply them to your account on or around April 2026 before your next voucher mailing on or around June 2026.
15. Points are redeemed automatically as John Lewis and Waitrose gift vouchers in February, June and October each year (where the total points balance is at least 500 points).
16. Points and gift vouchers are subject to the Partnership Credit Card Reward Programme rules at johnlewisfinance.com/credit-cards/partnership-card/terms-and-conditions.html.
General terms
17. There are no charges associated with opting-in to the offer or the fulfilment of double points.
18. No responsibility will be accepted for entries that are delayed, regardless of the cause, including, for example, as a result of any equipment failure, technical malfunction, systems, network, server, computer hardware or software failure of any kind.
19. The offer is not transferable.
20. The decision of the promoter regarding any aspect of the offer is final and binding and no correspondence will be entered into.
21. The promoter reserves the right to suspend, cancel, or amend the offer where it becomes necessary to do so, with no liability to any entrants or third parties.
22. This offer and any issues arising out of it shall be governed in accordance with English Law and are subject to the exclusive jurisdiction of the English courts.
General rewards & points rules - until 31 March 2026
1. Introduction
When your application for a Partnership Credit Card is accepted, you will automatically be enrolled in the Partnership Credit Card Reward Programme which is operated by John Lewis plc. This Programme will enable you to earn and redeem Points in accordance with these rules (the “Rules”). All terms used in these Rules are defined in Rule 15.
2. Eligible Purchases
You will earn Points at the rates described in Table 1 when using your Partnership Credit Card (including transactions made with a Partnership Credit Card provisioned on Apple Pay or Google PayTM) on Eligible Purchases:
a) Partnership Spend: at John Lewis Shops, johnlewis.com, John Lewis Foreign Currency, John Lewis Insurance, John Lewis Opticians, John Lewis Food Halls, Waitrose stores, Waitrose.com, Waitrose Welcome Breaks, waitroseentertaining.com, waitrosecellar.com, waitrosegarden.com, and Kuoni (in John Lewis stores and Kuoni branded stores);
b) Non-Partnership Spend: Spend at all other retailers and at John Lewis and Waitrose shop concessions, including but not limited to John Lewis Beauty Services, Joe & the Juice, Benugo Cafe, Clarins Spa, KuPP, Vodafone shop, Nespresso Boutiques, Lloyds Pharmacy, Boots Pharmacy, Johns & Kelyneck Pharmacy, Admiral Pharmacy, Hove Pharmacy, Post Office, Johnson Cleaners, Costa Coffee, Arnolds Estate Agents and PhotoMe booths, Leckford Farm Shop, Longstock Park Nursery, Waitrose at Shell Petrol stations and Kuoni holidays booked via non Kuoni stores via another travel agent, transactions made using another payment service that are later debited to your Partnership Credit Card (for example, PayPal and Curve card transactions made at John Lewis or Waitrose);
c) Foreign Spend: Partnership Spend or Non-Partnership Spend made outside the United Kingdom.
3. Earning Points
a) You will earn Points on each Eligible Purchase from the date that eligible spend is posted to your Account. The Points you earn will be reduced by the amount of any Eligible Purchases that are refunded to your Account or returned by you.
b) You will not earn Points for balance transfers, cash advances or cash related payments (which include but are not limited to cash withdrawals, payments to financial organisations e.g. repaying borrowing such as personal loans, buy now pay later providers like ClearPay and Klarna, buying lottery tickets, purchasing foreign currency (except John Lewis Foreign Currency) and for any money transfer services (like Wise, Remitly), interest and charges).
c) Except as otherwise set out in Table 1, any fractions of a Point are rounded down to the nearest whole number.
d) Points that you earn will be redeemed under these Rules but have no other monetary value.
e) Points are calculated on eligible purchases once the transaction has been cleared on your account. This is usually a few days after you make the transaction.
f) Points are added once your transaction has been cleared on a regular basis. Any additional points accumulated during your August Variation will be added the following month for each August Variation period.
g) We may change the basis on which Points are earned by giving you reasonable notice as provided for under these Rules.
h) August Variation: For the dates specified in Table 1, you will be able to earn points for your Eligible Purchases from 1 August - 31 August of the year in John Lewis stores and the John Lewis website.
4. Points earning limits
The maximum number of Points that you can earn in any calendar year is 100,000 Points. If this limit is exceeded in any calendar year, you will not be able to earn further Points on Eligible Purchases until after the beginning of the next calendar year.
5. Redeeming Points
a) You do not have to take any action to redeem Points. John Lewis plc will redeem Points automatically at the rate of £1 of vouchers for 100 Points.
b) John Lewis plc will redeem Points three times a year in February, June and October when John Lewis plc will send you vouchers for the Points held at that time. You will receive vouchers during these months when your monthly Partnership Credit Card statement indicates that Points are being redeemed. If you do not receive vouchers by the end of the subsequent month, please contact John Lewis Credit Card Customer Services. John Lewis plc will only accept claims for non-delivery of vouchers for up to six months after the end of the month during which they were sent out by us.
c) The minimum redemption will be 500 Points, giving a voucher of £5. Points will be redeemed for vouchers in multiples of £5. Any Points that have not been redeemed will be carried forward to the next redemption period.
d) Points that have been held in your Account for 2 years will expire and cannot be redeemed.
e) John Lewis plc may change the basis on which Points are redeemed, the months in which Points are redeemed, and the frequency of redemption by giving you reasonable notice.
6. Vouchers
a) Your vouchers can only be used to make purchases of goods or services at John Lewis shops, johnlewis.com, Waitrose shops and waitrose.com. John Lewis plc will advise you if you are able to use your vouchers in any other locations.
b) The use of vouchers may be subject to restrictions that John Lewis plc will advise you of when your vouchers are sent to you.
c) If the goods purchased in Waitrose & Partners and John Lewis & Partners shops total less than the value of the gift voucher, the change will be put onto a gift card.
d) Vouchers may not be exchanged directly for cash.
7. When Points will not be earned or redeemed
If:
a) you are in breach of the terms of the Credit Card Agreement,
b) your Partnership Credit Card has been cancelled or suspended,
c) a renewal of your Partnership Credit Card has been refused, or
d) you are suspected of fraud,
you will not earn Points and you can not redeem any Points while any of these circumstances continue.
8. Statements
The monthly Partnership Credit Card statement will show details of the Points you hold and the Points you have earned and the Points that have been redeemed during the previous month.
9. Information about the Programme
If you require any information or assistance in connection with the Programme or the earning or redemption of Points, please visit https://www.johnlewismoney.com/credit-cards/partnership-card/contact-and-support/points-and-vouchers.html
10. Termination
a) If your Account is closed for any reason, all Points earned but not redeemed at the date of closure will be forfeited. All vouchers that have already been issued to you will remain valid.
b) We reserve the right to terminate the Programme by giving you reasonable notice. If we do this all Points will be redeemed under these Rules at the date of closure and all vouchers that have already been issued to you will remain valid.
11. Transfer of Points
Points may not be transferred or sold.
12. Tax liability
You or your advisers are responsible for determining any tax liability in respect of your participation in the Programme and the earning and redeeming of Points and we are not able to give you advice concerning this.
13. Changes to the programme
In addition to the specific changes referred to in these Rules, we may change the Programme or the Rules by giving you reasonable notice.
14. Notices
Any notice we may give you under these Rules may be given in writing via:
email to your registered email address; or
by post to your registered postal address; or
by publishing any changes via johnlewismoney.com website.
15. Definitions
In these Rules:
“Account” means the Partnership Credit Card account maintained in your name under the Credit Card Agreement with the credit card issuer;
“Credit Card Agreement” means the consumer credit agreement made between you and the credit card issuer for the Partnership Credit Card;
“Eligible Purchases” has the meaning provided in Clause 2;
“John Lewis Insurance” means general insurance from John Lewis Money;
“John Lewis” means the John Lewis Partnership or its subsidiaries including John Lewis plc, and other members of the group from time to time;
“Partnership Credit Card” and “Partnership Card” mean the Partnership Credit Card issued to you by the credit card issuer under the Credit Card Agreement;
“Points” means the points earned and redeemed under the Programme;
“Programme” means the Partnership Credit Card Reward Programme, the terms of which are set out in these Rules;
“Waitrose” means Waitrose Limited;
“We”, “we” or “us” means John Lewis plc; and
“You” or “you” means you, the person in whose name we maintain the Account.
Apple Pay is a trademark of Apple Inc. Google Pay™ is a trademark of Google LLC.
Table 1 - Earning Points Rates and Information
1 September to 31 July | 1 August to 31 August* | |
|---|---|---|
Partnership Spend | - 1 Point for every £1 spent (with any amount spent between 80p - 99p in a pound being rounded up to receive 1 Point); and - 1 additional Point for every £4 spent (totalling 5 Points for every £4 spent). | at John Lewis Shops, John Lewis Opticians, and John Lewis Food Halls: - 3 Points for every £1 spent (with any amount spent between 80p - 99p in a pound being rounded up to receive 3 Points); and - 3 additional Points for every £4 spent (totalling 15 Points for every £4 spent)
- 2 Points for every £1 spent (with any amount spent between 80p - 99p in a pound being rounded up to receive 2 Points); and - 2 additional Points for every £4 spent (totalling 10 Points for every £4 spent). - 1 Point for every £1 spent (with any amount spent between 80p - 99p in a pound being rounded up to receive 1 Point); and - 1 additional Point for every £4 spent (totalling 5 Points for every £4 spent). |
Non-Partnership Spend | 1 Point for every £10 spent | 1 Point for every £10 spent |
Foreign Spend | 1 Point for every £10 spent after the relevant currency conversion has been applied | 1 Point for every £10 spent after the relevant currency conversion has been applied |
* Only valid for 1 to 31 August 2025 (inclusive); 1 to 31 August 2026 (inclusive); and 1 to 31 August 2027 (inclusive). For August in 2028 onwards, the Earning Points Rate for August will be the same as for the column “1 September - 31 July” in Table 1.
0% for 6 months Balance Transfer (where applicable)
Ensure you make at least your contractual minimum payments on time and stay within your credit limit to keep any promotional rate. If this is a promotional offer, your standard rate will apply after the promotional period ends.
You can make multiple transfers up to 90% of your available credit limit. All transfers and transfer fees must be within the 90% available credit limit.
The 0% offer period lasts for 6 calendar months from the date of transfer. It normally takes three working days for a transfer to be completed (a working day finishes at 3pm for these purposes). A fee applies to each transfer. Once we have started to process your Balance Transfer, the fee cannot be refunded.
You cannot transfer balances from other NewDay credit cards, non-UK cards, pre-paid cards, store cards, closed accounts or cards which are not registered under your name and held at the same address.
You are not able to transfer more than one balance from the same credit card within a 30-day period.
You will need to be the primary cardholder to transfer a balance.
All Balance Transfers are subject to NewDay’s approval. NewDay reserve the right to withdraw the offer at any time.
If you usually pay your balance in full each month:
Balance Transfers can affect your interest free period for purchases. Carrying a balance means you'll be charged interest on any new purchases straight away. Once you clear your balance in full (including your Balance Transfer), you'll go back to having an interest free period.
John Lewis Finance Limited is authorised and regulated by the Financial Conduct Authority as a credit broker (firm reference number: 1018169). Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. Registered in England and Wales (company number: 15785347). John Lewis Finance Limited is a credit broker, not a lender, introducing the Partnership Credit Card under exclusive arrangements with lender NewDay Ltd.
John Lewis plc. is an appointed representative of John Lewis Finance Limited for credit broking and registered with the Financial Conduct Authority (firm reference number: 416011). Registered in England and Wales (company number: 233462).
Waitrose Limited is an introducer appointed representative of John Lewis Finance Limited for credit broking and registered with the Financial Conduct Authority (firm reference number: 416012). Registered in England and Wales (company number: 00099405).
Credit is provided by NewDay Ltd. Registered in England and Wales (company number: 7297722). Registered office: 7 Handyside Street, London, N1C 4DA. NewDay Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number: 690292) and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (firm reference number: 555318) for the provision of payment services.
The Partnership Credit Card is issued by NewDay Ltd pursuant to licence by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.