Silk Credit


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


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 £15 per visit will apply. Guests can also be brought to lounges at a flat rate of £15 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

  • Shopping in France and the US is more satisfying now that we’ve partnered with well-known retailers to provide Coutts Travel Rewards.

    Until 30 September 2019, you will automatically receive a cash reward on purchases made at participating retailers with your Coutts Silk Card. We will automatically enrol you for Coutts Travel Rewards. All you need to do is use your Coutts Silk Card at participating retailers and enjoy the credits.



    Participating retailers and offers:

    Retailer Redemption Channel Cash Reward per Transaction Minimum Spend per Transaction Valid From Valid To
    Flora Danica In-Store €10 €60 Oct 2018 Mar 2019
    G7 Booking Online 5% €0 Oct 2018 Mar 2019
    Grand Café Capucines In-Store €10 €50 Oct 2018 Mar 2019
    Hertz In-Store 6% €300 Oct 2018 Mar 2019
    L'Occitane In-Store €10 €100 Oct 2018 Mar 2019
    Longchamp In-Store €40 €500 Oct 2018 Mar 2019

    United States

    Participating retailers and offers:

    Retailer Redemption Channel Cash Reward per Transaction Minimum Spend per Transaction Valid From Valid To
    Barneys New York In-Store $75 $750 Oct 2018 Mar 2019
    Bergdorf Goodman In-Store $25 $500 Oct 2018 Mar 2019 Online $25 $250 Oct 2018 Mar 2019
    Bloomingdales In-Store $25
    $500 July 2017
    Mar 2019
    Brooks Brothers In-Store $50 $300 July 2018 Mar 2019
    DSW In-Store $15 $150 Oct 2018 Mar 2019
    Go Avia Travel Online 5% $0 Oct 2018 Mar 2019
    Hilton Both $75 $1000 Oct 2017 Mar 2019
    Lorna Jane Both $50 $300 Jan 2019 Mar 2019
    Original Penguin In-Store $25
    July 2017
    Mar 2019
    Saks Fifth Avenue In-Store $25 $250 Jan 2019 Mar 2019 Online $25 $250 Oct 2018 Mar 2019
    Tory Burch In-Store $25
    July 2017
    Mar 2019
    Tourneau In-Store $250 $1000 Jan 2018 Mar 2019
    Uber Online $5 $20 Oct 2018 Mar 2019

    Please note that each cash reward is offered per transaction. For example, a single purchase of $500 at Tory Burch would earn a $25 cash reward.

    View our frequently asked questions about Shopping abroad with Coutts Travel Rewards.

Lifestyle and


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.

    Coutts Concierge

  • Our rewards programme, with exclusive gifts and experiences to recognise your loyalty.

    Thank You From Coutts allows us to show appreciation to clients for regularly using their Silk Card.

    As spending increases, cardholders automatically become eligible for a choice of gifts, from a range of luxury food and wine to getaways and private tours. Cardholders will receive a letter confirming when they become eligible for a gift and can redeem this online or by speaking to their private banker or Coutts Card Services.

    Thank You from Coutts

Flexible and


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.

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For more information about our
services, please speak to your
adviser or call +44(0) 20 7957 2424.

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Please get in touch online or call
020 7753 1365 to find out more
about our services.

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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:

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