Contactless & mobile payments

In the UK, there is no daily limit on the number of contactless payments a customer can make. There is usually a limit of £100 per transaction using contactless however if you are using Apple Pay or Google Pay on your mobile device then there is no limit.

To keep your account secure, every now and then you’ll be asked to enter your PIN again.

You must ensure your purchases do not take you over your agreed credit limit. If it does, you may be charged an overlimit fee.

There are a number of possible reasons why your contactless payments do not go through. For example, because your contactless card or the terminal you are using are not working correctly. Also, from time to time we may ask you to enter your PIN to make sure your card is in safe hands and protect you from fraud.

If a contactless payment isn’t approved, please try chip & PIN. You should also check that you have not gone over your credit limit. You can check your balance by signing into the online account manager or the John Lewis Credit Card app. If you continue to have problems using your contactless card, please contact us on 0330 175 9829.*

The new limit has been set by the Card Schemes (Visa, Mastercard, Amex, etc.) in conjunction with UK Finance and the FCA.

If you have received a contactless card from us but do not want to use the contactless functionality, you can still continue to use your card as a chip & PIN card. Unfortunately, we are unable to send you a card that is non-contactless.

Yes. You'll still earn loyalty points at the same rate as you do now, 5 points for each £4 spent on eligible spend with John Lewis & Partners and Waitrose (in store and online) and 1 point for each £4 on all other spend. See full reward terms.

The first card you add into Wallet is your default card. If you want to change your default card, there are two options:

• Go to ‘Settings’, select ‘Wallet & Apple Pay’ and scroll down to set your ‘Default Card’.
• In the ‘Wallet’ app select the card you'd like to make the default and drag it down to the bottom of the screen. Tap 'OK' when prompted.

You'll need to check refund and returns policies with each store or merchant. If you're returning an item purchased with Apple Pay, the store may require you to hold your phone near to the card reader to complete the refund, using the card from the original purchase.

Other retailers may need to make the refund back to your physical Partnership Credit Card. So, make sure you also have your physical card handy in case a purchase cannot be refunded to your device.

Please use your online account manager or your John Lewis Credit Card app immediately where you can report it and we will issue a replacement. Alternatively, you can contact the Lost and Stolen Card Helpline on 0333 220 2531* or +44 (333) 220 2531 from abroad.

If you lose your phone, you can use Apple’s ‘Find My iPhone’ app or go to icloud.com/find to disable your Apple Pay app remotely with the 'Remote Wipe’ option. Because none of your personal or card information is stored on the device, it remains safe and secure.

Please use your John Lewis Credit Card app or online account manager immediately where you can report it and we will issue a replacement. Alternatively, you can contact the Lost and Stolen Card Helpline on 0333 220 2531 or +44 (333) 220 2531 from abroad.

Please ensure that you remove your Partnership Credit Card from old devices before selling, exchanging, or disposing of them. You should also remove your card if you temporarily pass your device to someone else; for example, if you hand it over to be repaired.

To remove your card, go to Settings > ‘Wallet & Apple Pay’, tap the card that you want to remove, then tap ‘remove card’.

If you believe that you may have left your Partnership Credit Card linked to your old device, Please use your online account manager or your John Lewis Credit Card app immediately where you can report it and we'll issue a replacement. Alternatively, you can contact the Lost and Stolen Card Helpline.

You can remove a card from Apple Pay at any time. Go to ‘Settings’ > ‘Wallet & Apple Pay’, tap the card that you want to remove, then tap remove card.

Card details are automatically updated in Apple Pay by the card issuer, so no action is required.

While your replacement Partnership Credit Card is being issued you can continue to use Apple Pay. Also, there is no need to add your replacement card once you receive it.

You’ll receive 'Card Notifications' for your Partnership Credit Card in Apple Pay on an iPhone or iPad. These let you know about purchases made using Apple Pay.

You can turn these notifications on or off. Go to ‘Settings’ and then to ‘Wallet & Apple Pay’. There you can set ‘Card Notifications’ on or off.

Yes. An additional cardholder can add their Partnership Credit Card to Apple Pay. Note that the security code for registration and the welcome email will be sent to the main cardholder’s email or phone.

Yes. All retailers who accept contactless payments will accept Apple Pay whether they're in the UK or overseas. If you use Apple Pay to pay with your Partnership Credit Card overseas, then you’ll incur the standard non-sterling transaction fee of 2.75% on purchases. You may also incur charges from your mobile service provider for using Apple Pay overseas.

You can add your Partnership Credit Card to Apple Pay on up to eight of your devices.

Most Android devices which have Android 4.4 KitKat or above and include NFC (near-field communication) technology are eligible for Google Pay. To turn on NFC, go to your device settings, find ‘Wireless & networks’ and tap ‘More’.

If you can’t see this option, look for one similar like ‘Connections’ or ‘NFC’. You may need to tap ‘More’ to see other settings.

If you’re unsure if your device is eligible, just try downloading the Google Wallet™ app from the Google Play Store. If you're not able to download the app, unfortunately your device is not compatible.

The first card you add to Google Wallet is set as your default card.

To change your default card, go into the Google Wallet app and select your Partnership Credit Card which is displayed as an image of your card, then scroll down and select 'SET AS DEFAULT CARD'.

Yes. An additional cardholder can add their Partnership Credit Card to Google Wallet. Note that the security code for registration and the welcome email will be sent to the main cardholder’s email or phone.

You can add your Partnership Credit Card to Google Wallet on up to eight of your devices.

Please ensure that you remove your Partnership Credit Card from old devices before selling, exchanging, or disposing of them. You should also remove your card if you temporarily pass your device to someone else; for example, if you hand it over to be repaired.

To remove your card, go into the Google Wallet app, tap on your Partnership Credit Card, scroll down, and select ‘Remove card’.

If you believe that you may have left your Partnership Credit Card linked to your old device, please contact us immediately.

While your replacement Partnership Credit Card is being issued you can continue to use Google Pay.

Your new card details will be automatically updated in Google Wallet by the card issuer, so you don't need to do anything.

Please contact us so that we can update your contact details. We'll also need to help you through the registration process.

You can remove a card from Google Wallet at any time. Open the Google Wallet app, tap the card that you want to remove, then scroll down and tap 'Remove card'.

You’ll receive ‘Purchase notifications’ for your Partnership Credit Card in Google Wallet on your device. These let you know about purchases made using Google Pay.

You can turn these notifications on or off. Open the Google Wallet app, tap the three dots in the top right corner, then tap ‘Settings’, then tap the toggle switch for ‘Purchase notifications’.

Before you reset your device, you’ll need to remove your Partnership Credit Card from Google Wallet. If you don’t then this will reduce the number of devices you can add your Partnership Credit Card to.

After the reset is complete, you'll need to re-register your Partnership Credit Card on your device. If you don't remove your Partnership Credit Card from the Google Wallet app on your old device before completing the factory reset, you can contact us to remove it for you.

You'll need to check refund and returns policies with each store or merchant.

If you’re returning an item purchased with Google Pay to a store, they may require you to hold your phone near to the card reader to complete the refund using the card from the original purchase.

Other retailers may need your physical Partnership Credit Card to complete the refund, so make sure you also have your physical card handy in case a purchase cannot be refunded to your device.

For online purchases, the refund will be processed by the merchant in usual way. Depending on their return and refund policies, it may take several days for the refund to appear on your statement.

If any Android device that has a Partnership Credit Card linked to it is lost or stolen, please report it to us.

If you lose your phone, you can use Android’s Find My Device function to disable your Google Wallet app remotely with the ‘Erase All Content’ option. Because none of your personal or card information is stored on the device, it remains safe and secure.

To report a lost or stolen card, contact us immediately.

While your replacement Partnership Credit Card is being issued, you can continue to use Google Pay. The token in Google Pay is transferred to the new card number, so there's no need to add your replacement card.

Yes. All retailers who accept contactless payments will accept Google Pay whether they're in the UK or overseas.

If you use Google Pay to pay with your Partnership Credit Card overseas then you’ll incur the standard non-sterling transaction fee of 2.75% on purchases. You may also incur charges from your mobile service provider for using Google Pay overseas.

Yes. You can use Google Pay for pay as you go travel on London Buses, Tube, London Trams, DLR, London Overground, TfL Rail, Emirates Air Line, River Bus and most National Rail services in London.

As long as you use one payment method throughout your journey, TfL daily or weekly capping will apply where eligible, and you'll be charged the correct amount for your journey.

For example, if you switch between your physical card and Google Pay throughout your journey, they will be treated as two separate payment methods. This means you could be charged maximum fares for incomplete journeys, and you may not benefit from the daily or weekly capping.

Find out more at the TfL website.

We recommend that you still carry your Partnership Credit Card with you if you’re using Google Pay, as not all retailers accept contactless payments and some retailers limit Google Pay transactions to £30.