NewDay Limited John Lewis Partnership Credit Card
Representative APR
28.9% APR (variable)
Purchases
28.94% (variable) p.a.
Balance Transfers
28.95% (variable) p.a. (5% fee)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 28.94% (variable) p.a., most accepted customers get a rate of 28.9% APR (variable).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
The John Lewis credit card is a popular choice for frequent John Lewis and Waitrose shoppers. New customers earn double points for 60 days, followed by ongoing rewards on every £4 spent. Ideal for loyal customers looking to maximise everyday spending. You can check your eligibility online with no impact on your credit score.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| Issuer | NewDay Limited |
|---|---|
| Network | Mastercard |
| Primary Category | Rewards |
| Loyalty Scheme | Points |
| Incentive on opening | Get double points for 60 days when you open a John Lewis credit card, that’s 10 points for every £4 spent at John Lewis and Waitrose. After that, you’ll earn 5 points per £4 spent as standard. Terms and conditions apply. |
| Cashback/Rewards (if applicable) | Earn 5 points for every £4 spent on eligible purchases at John Lewis and Waitrose and 1 point for every £4 spent elsewhere. For every 500 points you collect, you will be sent a £5 voucher. |
| Account Fee | £0 |
| Purchases | 28.94% (variable) p.a. |
| Purchases Interest Free Period | 56 days |
| Balance Transfers | 28.95% (variable) p.a. (5% fee) |
| Balance Transfer Fee | 5.00% |
| Cash Advances | 38.95% (variable) p.a. (fees apply) |
| Minimum Credit Limit | £ 250.00 |
| Maximum Credit Limit | Subject To Status |
Fees & Charges
| Account Fee | £0 |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 12 |
| Exceed Limit | £ 12 |
| Duplicate Statement | £ 3 |
| Replacement Card | £ 0 |
| Trace Fee | £ 25 |
| Cash Withdrawal Fee | 3% |
| Cash Withdrawal Minimum Charge | £ 3 |
| Foreign Usage EU | 2.75% |
| Foreign Usage World | 2.75% |
Application Requirements
| Availability | Available to new customers. |
|---|---|
| Minimum Income | £ 0 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
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