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The John Lewis Partnership Credit Card is a premier rewards credit card designed to elevate your shopping experience. You can turn your shopping into a reward if you own a John Lewis Partnership Credit Card.

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John Lewis Partnership Credit Card Benefits

Some major benefits of this card are:

  • Rewards: As a welcome gift, you will receive 2.5% back as points on eligible spending at John Lewis and Waitrose in the first 60 days. You will receive 5 points for every £4 you spend on eligible purchases at John Lewis and Waitrose and 1 point on £4 spent elsewhere such as on a holiday, food shopping, or coffee shop.
  • Convert Points: You can convert your points into vouchers. For every 500 points, you will receive a voucher worth £5 and you can turn your vouchers into shopping at John Lewis and Waitrose.
  • Contactless Payments: Wherever you go contactless spending with Apple Pay or Google Pay will make your spending easy. This mobile payment is an easy and secure way to make quick payments using numerous apps and thousands of locations.
  • Pet Insurance: The John Lewis Partnership Card offers extra rewards on pet insurance. This will apply to policies before 31 January 2025. By using the promo code JLPET, you can receive additional points for up to 5,000, which can be converted into gift vouchers for £50.
  • Discount on Movie Tickets: Mastercard cardholders will exclusively enjoy the latest blockbusters at ODEON cinemas with a discount of up to 40% on tickets, including ODEON Luxe, via priceless.com. Additionally, there are discounts on tasty food and drinks.
  • Discount on Holiday: You can earn points on your holiday with Kuoni. Book your holiday in one of our John Lewis & Partners Kuoni stores and earn 5 points for every £4 spent.
  • Foreign Currency: The travel money program is designed to make your life easier. It comes with a great rate and pays 0% commission. Over 60 currencies are available online. If you order before 3 p.m., it will be delivered on the next working day, and there will be no delivery charge for orders exceeding £500.

Prerequisites

To have a John Lewis Partnership Credit Card there are some prerequisites. Those are:

  • You have to be a UK resident
  • You must be 18 years old or over
  • Must have 12 months of UK address history
  • Have a UK mobile number and email address
  • Don’t have a Partnership Card before

About the John Lewis Finance

John Lewis Partnership was founded in 1864 by John Lewis with a drapery shop on Oxford Street in London. The John Lewis Partnership plc is a British company that operates in department stores, supermarkets, banking and financial services, and other retail-related activities.

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This public limited company is owned by a trust on behalf of all 80,800 employees known as partners. According to the Sunday Times, John Lewis Partnership Group was the third-largest non-traded company in the UK by sales in 2016.

The financial services division, John Lewis Finance currently known as John Lewis Money, was established to offer a range of personal finance products, including credit cards, insurance, loans, and foreign currency services. It operates with a focus on providing quality service, customer trust, and transparency towards its customers.

John Lewis Finance collaborates with various banking and financial institutions to provide its products. For instance, NewDay, a British financial services company, issued its credit cards.

Who is this card for?

This card is for any UK resident who is at least 18 years old and shops frequently, this card rewards frequent shoppers at John Lewis or Waitrose. It also has reward point offers on holidays at Kuoni, discounts on movie tickets, and more. Besides those, it’s possible to pay in over 50 currencies. So, any UK resident who shops frequently and travels often will benefit most from having this card.

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Step by step to apply for the card

To apply for this card, you have to visit the official website and then the partnership credit card page. See below the step by step to apply for this card:

Step 1: Click on the check eligibility

First, you have to check if you are eligible to apply for this card. Visit the eligibility page and fill up the form with personal and financial details.

Step 2: Apply

In the next step, you will find the apply option.

Step 3: Read and sign documents

Read the documents along with the terms and conditions and e-sign at the bottom of the page.

Step 4: Wait for the Approval

Submit your application and wait for the approval. Once it is approved, you will receive the card at the address provided.

John Lewis Partnership Credit Card Pros and Cons

Pros

  • Reward points for purchases made at John Lewis and Waitrose
  • Redeemed points as vouchers and shopped at John Lewis and Waitrose
  • Up to 3 additional cardholders
  • Faster transactions with contactless payments.
  • Good customer support and service.

Cons

  • The rewards can only be redeemed at John Lewis and Waitrose
  • Interior rates can be higher if fail to pay on time.
  • Requires a good credit score.

How to unlock the card?

There are many ways to activate this card. You can choose any of those given below to activate your card.

  • Online Activation: You can activate this card online by visiting the official website. Find the activation section and follow the instructions to experience the hassle-free activation process.
  • Phone Call: You can call their customer service number and they will guide you to activate your card.

Fees and tariffs

The annual APR of this card is 28.9%. There is no annual fee. Balance transfer and money transfer fees are up to 5% of the transaction amount. The cash transactions fee is 3% of the amount but the amount must be a minimum £3.00. If you request a paper copy of the statements, you will be charged £3.00 up to a maximum of £10. The foreign exchange conversion charge is 2.75% of the amount. If you fail to make an on-time payment, you will be entitled to a late fee of  £12.00.

Customer service

For credit card-related support visit the online account manager or use the John Lewis Credit Card app to manage your account. A secure online chat is available 24/7 to reply to your queries. You can call them on 0330 175 9829 from Monday to Friday from 8 am – 8 pm, Saturday 9 am – 6 pm, and Sunday 10 am – 4 pm.

You can report lost, damaged, or stolen cards using the online account manager or the app. Call them on 0333 220 2531 or +44 (333) 220 2531 in case of lost devices or sign-in difficulties.

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