The John Lewis Partnership Credit Card—issued by NewDay—earns points you can redeem for gift vouchers at John Lewis and Waitrose.
Below you’ll find a concise, factual guide covering eligibility, the online journey, interest rates, and fees.
Where it matters, exact numbers and contact details are included for details.
John Lewis & Partners (UK retailer)
A British department-store chain for home, fashion, tech, and more.
It sits inside the John Lewis Partnership, which also owns Waitrose supermarkets and is famous for being employee-owned.
The John Lewis Partnership Credit Card is issued by NewDay and earns points redeemable at John Lewis/Waitrose.
Key Features at a Glance (rates, rewards, management)
Earn points on eligible purchases and receive John Lewis/Waitrose gift vouchers.
New customers get double points for 60 days in John Lewis & Waitrose; then 5 points per £4 in-store and 1 point per £10 elsewhere.
Manage your account in the John Lewis credit card account manager (web) or mobile app; set up direct debits, view statements, request limit changes, and more.
You can add John Lewis credit card to Apple Wallet (and Google Wallet) from the app’s “My Card” tab.
Step-by-Step: The John Lewis Partnership Credit Card Application
For the application for John Lewis credit card, you must be 18+, a UK resident, and meet NewDay’s credit and identity checks.
Typical requirements include 12 months of UK address history, a UK mobile number, and an email address.
You also should not have held a Partnership Credit Card in the last 12 months if you’re applying as a “new” customer.
Use the official “Check your eligibility” tool before a full application. It provides an initial view without affecting your credit score.
- Start at John Lewis Finance. Go to the Partnership Credit Card page and select Check your eligibility.
- Provide the requested details for a soft search. If you proceed, complete the full application with your address and income information.
- Create your digital access. When approved, register for the Online Account Manager and/or download the John Lewis Credit Card app (iOS/Android). You’ll choose a username, secure password, and a 6-digit passcode to simplify future sign-ins.
- Set up payments. In the account manager, enable Direct Debit to avoid missed payments and late fees. You can also make one-off payments and view your statements in the app or web portal.
Interest Rates, Fees, and Promotional Offers
Understanding the APR, fees, and any promo periods ensures you use the card cost-effectively.
Especially if you don’t clear the full balance each month.
- Representative APR: 29.9% variable; purchase rate 29.95% p.a. (variable); £1,200 assumed credit limit (representative example). Actual APR/limit depends on credit status.
- Late payment fee: £12 if you don’t pay at least the minimum by the due date (also reported to credit reference agencies). Setting a Direct Debit helps avoid this.
- Foreign usage: Usable wherever Mastercard is accepted; foreign exchange fees may apply on non-sterling transactions (see your agreement/statement for exact charges).
- In-store promos: John Lewis occasionally runs in-store promotional purchase offers (for example, time-limited 0% plans). Details and dates can differ from online offers; always check the current terms.
Rewards Structure and the Advantages of John Lewis Credit Card
Points convert to John Lewis/Waitrose gift vouchers—£5 for every 500 points—sent automatically up to three times a year.
Account perks: Periodic cardholder offers, prize draws, and points-boosting events. Digital tools (app + web) make it easy to track points and spending.
These benefits make the card most attractive if you regularly shop at John Lewis and Waitrose, since the in-store earn rate is the strongest.
If your day-to-day spend is mostly outside those brands, compare the earn rate to general-purpose cashback or rewards cards.
Managing Your John Lewis Partnership Credit Card Account: Web and App
Online Account Manager (web): Pay your balance, change personal details, set up Direct Debit, view transactions, and request credit-limit changes.
Searching for “John Lewis credit card account manager” will take you to the login page.
Mobile app (iOS/Android): Real-time spend notifications, statements, card controls, and wallet setup.
Apple/Google Wallet: From the app’s My Card tab, tap Add to Apple Wallet (or Google Pay) and follow the prompts—use anywhere the wallet is accepted.
Security, Support, and Contact Details
Lost/stolen or sign-in issues: Phone 0333 220 2531 (24/7; from abroad +44 333 220 2531).
For money worries support, call 0330 175 9829. You can also manage and block cards via the app.
Lender/Issuer: NewDay Ltd, Registered Office: 7 Handyside Street, London, N1C 4DA. Authorised and regulated by the FCA (FRN 690292).
Credit broker: John Lewis Finance Limited, Registered Office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. FCA FRN 1018169.
Practical Tips to Maximise Value
Use it where it earns the most. Concentrate your John Lewis and Waitrose purchases on the card to benefit from the higher in-store earn rate.
Set a Direct Debit. Avoid the £12 late fee and protect your credit file by automating at least the minimum payment.
Track your points. The app and web portal show your current tally and upcoming voucher cycles—helpful for planning larger purchases.
Check for promos. John Lewis sometimes runs time-limited purchase offers in-store; review terms before relying on a plan for a big-ticket item.
Conclusion: Is It Right For You?
If you shop frequently at John Lewis or Waitrose, the John Lewis Partnership Credit Card’s earn rate and automatic voucher redemptions can be compelling.
The card is easy to apply for and manage, thanks to the eligibility checker, Online Account Manager, and well-featured mobile app.
Review the current terms and any in-store promotions before you apply for John Lewis credit card products to make sure they align with your spending habits.
Disclaimer: This article is for information only and does not constitute financial advice. Card features, rates, eligibility criteria, and promotions can change; always review the latest summary box/terms on John Lewis Finance and your NewDay credit agreement before applying or spending.
