Silk Credit Card

Silk opens doors to a world of privileges and benefits. Silk can be tailored to your lifestyle, offering the ability to order additional cards with tailored spending limits and varying benefits.

Representative 19.99% APR Variable  ·  Over 18s only ·  No Annual Fee

View the summary box and representative APR example

Available to Coutts clients only.
Your credit limit will depend on our credit assessment of you.
The actual APR you will receive will depend on your circumstances.

Travel Benefits

Designed for a world without borders, Silk comes with a host of travel benefits, making it your ideal companion when you are abroad.

  • 0% Non-Sterling Transaction Fees

    We don’t charge a Non-Sterling Transaction Fee to transactions in currencies other than Sterling, allowing you to use your Silk Card abroad without incurring any additional charges.

  • Access to Airport Lounges via LoungeKey™

    LoungeKey™ is an airport lounge access programme which provides Silk cardholders with access to over 1100 VIP lounges in over 300 major airports worldwide, when showing your Silk Card, a separate membership card will not be required. For details of all participating airport lounges and any conditions/restrictions that apply, visit the LoungeKey™ website at

    A flat rate of £24 per visit will apply. Guests can also be brought to lounges at a flat rate of £24 per guest visit. Access to the lounge is subject to capacity. Your Silk Card must be registered with LoungeKey™ to access lounges. For the best experience, we recommend downloading the LoungeKey™ app, or visiting, and registering your card details before your visit.


THANK YOU FROM COUTTS is our exclusive reward programme which thanks clients for their loyalty.

  • Thank you from Coutts

    Our exclusive reward programme which thanks clients for their loyalty.

    As a Coutts Silk cardholder, you’ll earn Coutts Crowns on all qualifying spend when using your Coutts Silk Card and Coutts Debit Card.

    So, whether you’re buying a car, a coat or a coffee, it’ll all count. And, the more business you do with us, the faster you’ll earn your Crowns too.  

    Once you’ve earned 25,000 Crowns, you can redeem them for a reward of your choice. Alternatively, as our Crowns are valid for five years, you can keep adding to them for something really special.

    You can also redeem a range of Crown-free rewards. These could include limited offers on selected Coutts services - such as Crown Loyalty Bonuses - plus offers from carefully selected third parties.

    Depending on the amount of business you do with us, you’ll earn Crowns at one of the following rates:

    Average value of combined assets and liabilities held with us Coutts Crown earn rate
    £0 - £999,999.99 1 Crown per £1 spent
    £1m - £2,999,999.99 1.25 Crowns per £1 spent
    £3m plus 1.5 Crowns per £1 spent

    Both your Crowns balance and all our rewards can be found by logging in to our digital services, or by calling Coutts 24.

    You can learn all about THANK YOU FROM COUTTS, including the transactions that won’t earn Crowns (such as cash withdrawals, investment deposits, tax payments and repaying debt) and our full terms and conditions at

Flexible and Secure

Created to simplify the complexities of modern life, Silk offers the features you would expect to ensure that it is as secure as it is connected.


    Silk clients may request additional cards for their account with added flexibility of determining the level of privileges and benefits for each Silk cardholder. Clients can allocate an individual spending limit for each cardholder within their account, with spend itemised for each cardholder on a single, monthly statement which is sent to the primary cardholder.

    Over 18s only.


    For added security and peace of mind, Coutts Online Verification ensures that only the cardholder is permitted to transact online.

    We have also introduced additional layers of security for your Coutts cards that will make online shopping less obtrusive but no less safe. Our new service is easier to use as there is no need to register your card or remember a password.

    Find out more information about Coutts Online Verification.


    Contactless provides a faster way to pay for items up to £100. A convenient alternative to cash – a quick and secure way to touch and pay for those smaller purchases.

    View our frequently asked questions about contactless technology.


    Using your card to make a contactless payment with Apple Pay or Google Pay is fast, easy and secure – no personal information is passed from your phone to the reader, not even your name or bank details. If you use Apple Pay or Google Pay, you can even complete contactless purchases over £100 (retailer limits may apply).

    Find out more about:

    Apple Pay

    Google Pay

Important Information

Statement of Lender and Borrower Responsibilities

Coutts & Co adheres to The Standards of Lending Practice which are monitored and enforced by the LSB:

Contact Us

Become a client

When you become a client of Coutts, you join a network of exceptional people. Get in touch online or call +44 (0)20 7753 1365 to find out more about our services.

Already a client?

Contact your private banker at any time or call +44 (0)20 7957 2424 for more information.


All calls with Coutts are recorded for training and monitoring purposes.