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 14.7% 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.
Designed for a world without borders, Silk comes with a host of travel benefits, making it your ideal companion when you are abroad.
We have removed the 2.75% Non-Sterling Transaction Fee applicable to transactions in currencies other than sterling, allowing you to use your Silk Card abroad without incurring any additional charges.
If you are travelling abroad or intend to make a purchase which is of higher value than usual, please inform us of your plans by contacting Coutts Card Services on+44 (0) 20 7309 0045. We will update the information that we hold thereby minimising issues when you use your card at home or abroad.
LoungeKey™ is an airport lounge access programme which provides Silk cardholders with access to over 700 VIP lounges in over 300 major airports worldwide. A separate membership card will not be required – to access a participating lounge, cardholders simply need to show their Silk Card and reference LoungeKey™.
A flat rate of £20 per visit will apply. Guests can also be brought to lounges at a flat rate of £20 per guest visit. Access to the lounge is subject to capacity. For details of all participating airport lounges and any conditions/restrictions that apply, visit the LoungeKey™ website at loungekey.com/Coutts
Retailer Redemption Channel Cash Reward per Transaction Minimum Spend per Transaction Valid From Valid To Alexandra Wood Both 10% £250 Oct-19 Mar-20 Appleyard London online 20% none Aug-19 Mar-20 Asprey Both 5% NONE (max spend £3,000) Oct-19 Mar-20 Bodyism Notting hill IN-STORE 5% NONE Jun-19 APR-20 cefinn online 10% £300 Jun-19 APR-20 Cliveden House & Spa Both 7.50% £100 Sep-19 Mar-20 Cunard Both 5% NONE May-19 Mar-20 David Linley Both 5% NONE Sep-19 Mar-20 Fortnum & Mason In-store 10% (max £50) £200 May-19 Jan-20 Orlebar Brown Both 10% £300 May-19 Mar-20 Rosewood London Both 10% (max £250) £1,000 Jan-20 Mar-20 Shangri-la at checkout 7.5% (max £250) £1,000 May-19 Feb-20 Turnbull & Asser Both 10% £300 Sep-19 Mar-20 RETAILER REDEMPTION CHANNEL CASH REWARD PER TRANSACTION MINIMUM SPEND PER TRANSACTION VALID FROM VALID TO ADELAIDE SIGHTSEEING (SEALINK SOUTH AUSTRALIA) ONLINE AUD 25 AUD 200 Jul-19 Mar-20 ADRENALINE ONLINE AUD 20 AUD 100 Jul-19 Mar-20 CALTEX STARMART IN-STORE AUD 5 AUD 50 Jul-19 Mar-20 CamperMate ONLINE AUD 20 AUD 100 Oct-19 Mar-20 CAPTAIN COOK CRUISES PERTH ONLINE AUD 25 AUD 200 Jul-19 Mar-20 CAPTAIN COOK CRUISES SYDNEY ONLINE AUD 25 AUD 200 Jul-19 Mar-20 CHEMIST WAREHOUSE, MY CHEMIST AND BEAUTY SPOT BOTH AUD 10 AUD 100 Jul-19 Mar-20 DAVID JONES IN-STORE AUD 10 AUD 100 Jul-19 Mar-20 EUROPCAR BOTH AUD 20 AUD 250 Apr-19 Mar-20 Grill'd IN-STORE AUD 10 AUD 50 Oct-19 Mar-20 HEINEMANN TAX & DUTY FREE IN-STORE AUD 10 AUD 100 Apr-19 Mar-20 Koko Black BOTH AUD 10 AUD 50 Oct-19 Mar-20 MYER BOTH AUD 10 AUD 100 Apr-19 Mar-20 RADISSON BLU PLAZA HOTEL SYDNEY BOTH AUD 50 AUD 500 Jan-20 Mar-20 REDBALLOON ONLINE AUD 20 AUD 100 Apr-19 Mar-20 SEALINK KANGAROO ISLAND (SEALINK SOUTH AUSTRALIA) ONLINE AUD 25 AUD 200 Jul-19 Mar-20 SEALINK MAGNETIC ISLAND (SEALINK QUEENSLAND) ONLINE AUD 25 AUD 200 Jul-19 Mar-20 SEALINK ROTTNEST ISLAND (SEALINK WESTERN AUSTRALIA) ONLINE AUD 25 AUD 200 Jul-19 Mar-20 Retailer Redemption Channel Cash Reward per Transaction Minimum Spend per Transaction Valid From Valid To AUX Lyonnais INSTORE 10% € 80 Jan-20 Mar-20 Boggi Milano INSTORE € 70 € 350 Oct-19 MAR-20 Burton INSTORE € 10 € 100 Jan-20 Mar-20 Fauchon In-Store € 10 € 50 Apr-19 Mar-20 Fauchon Grand Café INSTORE € 10 € 50 Oct-19 Mar-20 FAUCHOn Hotel IN-STORE € 100 € 750 Jul-19 Mar-20 FURLA INSTORE € 30 € 300 Oct-19 Mar-20 Guinot IN-STORE € 10 € 100 Jul-19 Mar-20 Hard Rock Cafe INSTORE € 6 € 60 Oct-19 Mar-20 HERTZ BOTH 6% € 300 Oct-18 Mar-20 HOTEL MANSART INSTORE € 50 € 500 Oct-19 Mar-20 L'OCCITANE IN-STORE € 10 € 100 Oct-18 Mar-20 MOULIN ROUGE INSTORE € 15 € 200 Oct-19 Mar-20 O Chateau BOTH 10% NONE Oct-19 Mar-20 Restaurant Allard IN-STORE 10% € 100 Jan-20 Mar-20 Restaurant Benoit Paris IN-STORE 10% € 100 Jan-20 Mar-20 Restaurant Rech IN-STORE 10% € 100 Jan-20 Mar-20 Swaroski IN-STORE € 15 € 200 Jan-20 Mar-20 THE KOOPLES IN-STORE € 30 € 300 Apr-19 Mar-20 VEDETTES DE PARIS BOTH 20% NONE Apr-19 Mar-20 Retailer Redemption Channel Cash Reward per Transaction Minimum Spend per Transaction Valid From Valid To Beauty & You INSTORE HKD 150 HKD 1500 Oct-19 Mar-20 Fumi INSTORE 10% HKD 1500 Jan-20 Mar-20 Kyoto Joe INSTORE 10% HKD 1500 Jan-20 Mar-20 Lock Cha Tea House INSTORE 10% HKD 1500 Jan-20 Mar-20 Porterhouse INSTORE 10% HKD 1500 Jan-20 Mar-20 Tokio Joe INSTORE 10% HKD 1500 Jan-20 Mar-20 Retailer Redemption Channel Cash Reward per Transaction Minimum Spend per Transaction Valid From Valid To Boggi Milano INSTORE 70 EUR 350 EUR Oct-19 Mar-20 EATALY INSTORE 10 EUR 150 EUR Oct-19 Mar-20 FICO Eataly World BOTH 10% NONE Oct-19 Mar-20 FREE NOW ONLINE 5 EUR 20 EUR Oct-19 Mar-20 FURLA INSTORE 30 EUR 300 EUR Oct-19 Mar-20 Hard Rock Cafe INSTORE 5 EUR 50 EUR Oct-19 Mar-20 Hertz BOTH 30 EUR 300 EUR Oct-19 Mar-20 Hotel Indigo Rome - St George INSTORE 30 EUR None Jan-20 Mar-20 Italy-Tickets.com ONLINE 5% NONE Oct-19 Mar-20 The Brian & Barry Building INSTORE 70 EUR 350 EUR Oct-19 Mar-20 Retailer Redemption Channel Cash Reward per Transaction Minimum Spend per Transaction Valid From Valid To Activity Japan Online 5% NONE Apr-19 Mar-20 C'BON IN-STORE 10% JPY 30000 Jan-20 Mar-20 Edion In-Store JPY 1620 JPY 27000 Apr-19 Mar-20 HiKESHi SPiRiT In-Store 5% NONE Oct-19 Mar-20 Hokuren Kururunomori In-store 5% JPY 3000 Jan-20 Mar-20 HOTEL CONCORDE HAMAMATSU In-Store 5% NONE Oct-19 Mar-20 Hyatt Regency Kyoto BOTH JPY 10000 JPY 150000 Oct-19 Mar-20 Indian Tokyo In-Store JPY 500 JPY 10000 Oct-19 Mar-20 Kawaii Monster Cafe Harajuku In-Store 5% JPY 8000 Apr-19 Mar-20 Parco Department Store In-Store JPY 3000 JPY 30000 Apr-19 Mar-20 Sanyo Ginza Tower In-Store JPY 2000 JPY 30000 Apr-19 Mar-20 Sanyo Ginza Tower In-Store JPY 2000 JPY 30000 Oct-19 Mar-20 Takashimaya Duty Free Shop SHILLA & ANA In-Store JPY 1500 JPY 30000 Apr-19 Mar-20 The TinTin Shop Tokyo In-Store JPY 400 JPY 8000 Oct-19 Mar-20 Retailer Redemption Channel Cash Reward per Transaction Minimum Spend per Transaction Valid From Valid To CHAKRAA INDIAN RESTAURANT INSTORE 10% KRW 100000 Jan-20 Mar-20 Lotte World Adventure INSTORE 20% KRW 100000 Jan-20 Mar-20 Lotteworld Aquarium INSTORE 20% KRW 100000 Jan-20 Mar-20 Play Wifi INSTORE 10% KRW 25000 Jan-20 Mar-20 Seoul Sky INSTORE 10% KRW 25000 Jan-20 Mar-20 Retailer Redemption Channel Cash Reward per Transaction Minimum Spend per Transaction Valid From Valid To Crowne Plaza Changi Airport IN-STORE 10% SGD 500 Jul-19 Mar-20 Changi Airport Group In-Store SGD 15 SGD 50 Jan-20 Mar-20 Europcar Singapore In-store 10% None Jan-20 Mar-20 Takashimaya Department Store In-Store SGD 20 SGD 200 Apr-19 Mar-20 Takashimaya Shopping Centre In-Store SGD 20 SGD 200 Apr-19 Mar-20 Retailer Redemption Channel Cash Reward per Transaction Minimum Spend per Transaction Valid From Valid To Baan Ying Original Siam Kitchen IN-STORE 15% THB2000 Jul-19 Mar-20 Central Department Store In-Store thb 750 THB6000 Jul-19 Mar-20 Central World In-Store THB 150 THB1500 Jul-19 Mar-20 Hertz Thailand In-Store 10% THB3000 Jan-20 Mar-20 InterContinental Samui Baan Taling Ngam Resort In-Store 10% THB10000 Jul-19 Mar-20 InterContinental Phuket Resort In-Store THB 1000 THB10000 Jan-20 Mar-20 KidZania Bangkok In-Store 18% THB1500 Jul-19 Mar-20 King Power In-Store THB 1000 THB10000 Jul-19 Mar-20 The Landmark Hotel Bangkok In-Store 5% THB9000 Oct-19 Mar-20 RETAILER REDEMPTION CHANNEL CASH REWARD PER TRANSACTION MINIMUM SPEND PER TRANSACTION VALID FROM VALID TO BERGDORF GOODMAN IN-STORE $25 $500 Oct-18 Mar-20 BLOOMINGDALES IN-STORE $25 $350 Jul-17 Mar-20 BROOKS BROTHERS IN-STORE $50 $300 Jul-18 Mar-20 H&M IN-Store $5 $100 Jan-20 Mar-20 HARD ROCK CAFE IN-STORE $10 $100 Jul-19 Mar-20 LOEWS HOTELS BOTH $50 $500 Jul-19 Mar-20 ORIGINAL PENGUIN IN-STORE $25 $200 Jul-17 Mar-20 SAKS FIFTH AVENUE IN-STORE $25 $250 Jan-19 Mar-20 THE CHEESECAKE FACTORY IN-STORE $10 $100 Jul-19 Mar-20 The Peninsula Beverley Hills BOTH $100 $1000 Oct-19 Mar-20 THE PENINSULA HOTEL BOTH $100 $1000 Apr-19 Mar-20 TORY BURCH IN-STORE $25 $250 Jul-17 Mar-20 TOURNEAU IN-STORE $250 $1000 Jan-18 Mar-20 UBER EATS Online $5 $25 Jan-20 Mar-20 UBER RIDE ONLINE $2 $20 Jul-19 Mar-20 Retailer Redemption Channel Cash Reward per Transaction Minimum Spend per Transaction Valid From Valid To Azkadenya INSTORE 15% NONE Jan-20 Mar-20 California Pizza Kitchen INSTORE 15% NONE Jan-20 Mar-20 Dig It INSTORE 10% NONE Oct-19 Mar-20 Dubai Ice Rink INSTORE 10% NONE Oct-19 Mar-20 Dubai Aquarium INSTORE 10% NONE Oct-19 Mar-20 Fairmont Ajman BOTH 5% 500 AED Oct-19 Mar-20 Fairmont Dubai BOTH 5% 500 AED Oct-19 Mar-20 Fairmont Fujiarah BOTH 5% 500 AED Oct-19 Mar-20 Grand Mercure BOTH 5% 500 AED Oct-19 Mar-20 Humming Bird Bakery INSTORE 15% NONE Oct-19 Mar-20 Ibis Styles Dragon Mart BOTH 5% 500 AED Oct-19 Mar-20 Ibis Styles Sharjah BOTH 5% 500 AED Oct-19 Mar-20 kidzania INSTORE 10% NONE Oct-19 Mar-20 Marjan BOTH 5% 500 AED Oct-19 Mar-20 Movenpick Bur Dubai BOTH 5% 500 AED Oct-19 Mar-20 Movenpick Hotel Apartments Al Mamzar BOTH 5% 500 AED Oct-19 Mar-20 Movenpick Hotel Jumeirah Lake Towers BOTH 5% 500 AED Oct-19 Mar-20 Movenpick Hotel Apartments Downtown Dubai BOTH 5% 500 AED Oct-19 Mar-20 Movenpick Ibn Battuta Gate Hotel BOTH 5% 500 AED Oct-19 Mar-20 Novotel Abu Dhabi Al Bustan BOTH 5% 500 AED Oct-19 Mar-20 Novotel Bur Dubai BOTH 5% 500 AED Oct-19 Mar-20 Novotel Fujairah BOTH 5% 500 AED Oct-19 Mar-20 Panda Express INSTORE 15% NONE Jan-20 Mar-20 Swissotel BOTH 5% 500 AED Oct-19 Mar-20 Texas De Brazil INSTORE 15% NONE Jan-20 Mar-20 The Canvas Hotel BOTH 5% 500 AED Oct-19 Mar-20 The Loft Fifth Avenue INSTORE 10% NONE Oct-19 Mar-20 The Retreat Hotel BOTH 5% 500 AED Oct-19 Mar-20 VR Park INSTORE 10% NONE Oct-19 Mar-20 Yo! Sushi INSTORE 15% NONE Jan-20 Mar-20
Silk is synonymous with luxury and renowned for invaluable benefits and rewards. From access to experiences and events through to Coutts signature loyalty programme, every aspect of Silk has been designed with the discerning needs of our clients in mind.
Exclusive to Silk, the dedicated team is available to provide expert help 24 hours a day, 7 days a week.
Available to Silk clients 24 hours a day, 7 days a week, the team speaks over 20 languages. From assisting with every aspect of travel from flight information, tickets, accommodation and car hire, to emergency currency, lost passports, messaging and interpretation services, the team is known for exceptional organisational skills and advice.
Coutts Concierge also helps with social and leisure arrangements, from dinner reservations to chartering a yacht and booking tickets for sporting, theatrical and art events. Coutts Concierge is also on hand to provide support with domestic duties, from sourcing staff including cleaners, gardeners and nannies, to recommending interior designers, estate agents and other property services.
An extremely rewarding relationship
THANK YOU FROM COUTTS is our exclusive reward programme that offers a range of luxurious gifts and experiences to clients who have a Silk Charge Card or Silk Credit Card.
You earn ‘Coutts Crowns’ – which you can redeem for luxury items and experiences – when you buy things using your Silk Charge Card, Silk Credit Card or Coutts Debit Card. So whether you’re buying a car or a coffee, it all goes towards your tally. And the more business you do with us, the faster you can earn Crowns.
You gain Crowns when you buy goods and services. You don’t gain Crowns for certain financial transactions such as withdrawing cash, buying foreign currency or travellers cheques, investment deposits, tax payments or repayment of debt. See full terms and conditions for details.
You can keep up to date with the number of Crowns you have and what you can get with them quickly and easily through Coutts Online, Coutts Mobile or by calling Coutts 24 on 020 7309 0045. And you can redeem them any time over the course of the year, spending as many as you like. So you could use a few at a time for specific treats or exchange them all at once for something really special if you have enough of them.
All Coutts personal clients aged 18 and over are automatically enrolled in the scheme – no form filling required. All you need to do is get either a Silk Charge Card or Silk Credit Card – you won’t be able to earn Crowns without one. To get either a Silk Charge Card or Silk Credit Card , speak to your private banker or call Coutts 24 on 020 7309 0045.
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 £30. 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.