Coutts World Card

The Coutts World Concierge Service gives you 24/7 access to expert help and advice when you need it:

• assisting you with everything from flight information, tickets, accommodation and car hire, to emergency currency, lost passports, messaging and interpretation services
• helping you run your social and leisure arrangements, such as reserving a table, chartering a yacht, and booking tickets for sporting, theatrical and art events
• sourcing domestic staff, including cleaners, gardeners and nannies, and recommending companies such as interior designers, estate agents and other property services.

Find out more about the Coutts Concierge Service

The Coutts World Card provides you with annual travel insurance, which includes:

• emergency medical expenses
• unlimited trips up to 93 days each
• 28 days' winter sports cover
• cover for you, your partner and dependent children under the age of 18 (or 23 if in full-time education)
• travel cancellation, curtailment and delay
• baggage delay or loss

Cover is subject to policy terms and conditions. 

The Coutts World insurance Guide provides further details.

As well as the annual travel insurance you can also benefit from:

• Continental Car Breakdown
• Loss Damage Waiver and Supplemental Liability Insurance

Cover is subject to policy terms and conditions. 

The Coutts World insurance Guide provides further details.

You and any additional cardholder will receive Priority Pass cards. These cards give each cardholder:

• access to over 600 executive airport lounges worldwide at no charge
• the opportunity to take two guests into lounges at no cost and additional guests for just £15 per person (subject to lounge capacity. Some lounges do not admit children).

See available lounges, locations, services and restrictions at the Priority Pass website .

We automatically protect most purchases on your Coutts World Card against accidental damage, loss or theft for up to 100 days from the date of purchase. This protection is valid provided other insurance doesn't already cover the item, or if another insurance would have covered it but it was excluded by a policy excess. The policy covers claims up to a maximum of £25,000 in any one year, with a £50 excess on each occurrence

To help you arrange your travels, we can deliver non-sterling currency and travellers cheques free to your home. Alternatively, you can collect currency from a named outlet of International Currency Exchange (ICE) or any Coutts office. There is a commission fee of 1% of face value on travellers cheques and, on all transactions, a cash withdrawal fee of 2% of the cash amount.

Courtesy of Coutts is a loyalty programme that, once you have registered, rewards you for spending on your card by giving you points to spend in a variety of ways. You collect reward points when using your Coutts World Card at any retailer across the globe. For every £1 you spend at home or abroad (excluding cash advances, fees and interest), you will earn one Courtesy of Coutts point, which you can then spend on flights, hotel stays, fine wines and more. When purchasing products and services abroad, your card will convert other currencies into pounds. This means you will still earn the equivalent of one point for every pound you spend.

Find out more about Courtesy of Coutts

Coutts Online Verification protects you when shopping online. While shopping at a wide range of participating merchants, you will receive additional protection from online fraud.

Find out more about Coutts Online Verification

APR

Typical 53.9% APR variable (cash advances only).

Interest free period

Maximum 46 days if you pay your balance in full and on time.

Interest charging information

If you do not pay off your balance in full and on time, interest of 2% per month will be charged on the average daily balance from the statement date for which full payment is not made by the payment date until the arrears are paid.

Allocation of payments

If you do not pay off your balance in full, payments we receive are applied in the following order:

1. Interest

2. Fees and charges

3. Advances

4. Purchases

See section 2c. b) of your Credit Agreement for full details.

Minimum repayment

The total outstanding balance each month.

Amount of credit

Minimum credit limit £5,000.

All credit limits are subject to status.

Fees

Annual fee – £350 payable in arrears. Refunded if £50,000* is spent on the account in the previous 12 months.

*Excluding cash advances, travellers cheques, balance transfers, interest and charges.

Charges

For each cash advance or purchase of travellers cheques, we charge 2% of the amount of the

transaction (subject to a minimum of £1.50).

If you carry out a transaction in a currency other than sterling, we charge commission of 2.75% on the transaction amount.

Duplicate statements: £4.00 per request.

Default charges

See interest charging information above.