The John Lewis Partnership Credit Card, issued via NewDay Ltd, turns routine retail and grocery shopping into reward vouchers. For UK shoppers visiting Waitrose or John Lewis, it provides a practical way to earn perks on daily spending.
John Lewis Partnership Credit Card: best credit card for store rewards and supermarket spending
Cardholders earn 5 points per £4 spent at John Lewis and Waitrose, and 1 point per £10 spent elsewhere. New members enjoy double points (10 points per £4) for 60 days, plus a £50 voucher after spending £250 in their first 45 days.
Points convert automatically into £5 vouchers for every 500 points earned, issued up to three times yearly. These vouchers help UK households offset costs on groceries, fashion, electronics, and home items.
Should I get a credit card from John Lewis Finance?
John Lewis Finance acts as a broker introducing cards issued by NewDay Ltd, an established credit card issuer. Backed by thousands of positive customer reviews, the brand offers trusted retail financial products across the UK.
Customers gain access to a user-friendly mobile app to monitor points and manage payments. Security features and compatibility with Apple Pay and Google Pay ensure smooth, safe account management.
How to get a credit card from John Lewis Finance?
To get a credit card issued by NewDay Ltd through John Lewis Finance, applicants must meet these criteria:
- Be aged 18 or over with at least 12 months of UK address history.
- Hold a valid UK mobile number and active email address.
- Have not held a Partnership Credit Card in the last 12 months.
- Be a member of My John Lewis or My Waitrose.
- Pass standard lender credit and affordability assessments.
Apply for credit card
Complete your credit card application online using these steps:
- Visit the official John Lewis Finance application page.
- Review the 29.9% Representative APR (variable) and summary box.
- Use the soft-search eligibility checker to test approval chances.
- Enter your personal, address, and income details.
- Submit for an automated decision from NewDay Ltd.
- Once approved, receive your card by post and activate digital wallet features.
Frequently Asked Questions (FAQ)
How does John Lewis Partnership Credit Card interest work?
Interest applies to unpaid balances at a representative variable purchase rate of 29.95% p.a. (29.9% Representative APR variable). Paying your statement balance in full each month avoids purchase interest charges.
How can I increase my John Lewis Partnership Credit Card credit limit?
Limit increases are assessed periodically based on account management. You can review eligibility via the mobile app or online portal, subject to affordability checks.
How do I pay off my John Lewis Partnership Credit Card balance?
Set up a Direct Debit via the app or online account manager to pay the minimum, a fixed amount, or the full balance. Bank transfers and debit card app payments are also accepted.
How do I cancel a credit card from John Lewis Finance?
Contact customer support via online chat or phone. Clear any outstanding balance and update recurring payment arrangements before closing the account.