Coutts World Silk credit card full review

One of the most exclusive cards globally, the Coutts World Silk credit card offers a series of high-end perks, no annual fee, and LoungeKey access. Learn more about this product today!


by Aline Barbosa

Published on 03/11/2022

Coutts World Silk credit card: High-quality perks and services with no annual fee!

Coutts' logo with three crowns
Coutts World Silk credit card full review. Source: Coutts Facebook Page

If you’re looking for a high-end, exclusive credit card that offers both luxury and practicality, the Coutts World Silk credit card is definitely worth considering. This card is perfect for frequent travelers with top-notch perks, including complimentary airport lounge access and VIP service worldwide.

In this review, we’ll take a look at all the features and benefits this card has to offer, as well as any potential drawbacks. So whether you’re simply curious about what this card has to offer or are seriously considering applying for one, read on for everything you need to know!

Coutts World Silk credit card

How do you get the Coutts World Silk card?

Learn the application process for the Coutts World Silk card and get yours today!

Credit ScoreExcellent
Annual Fee£0
Regular APR14.7% variable
Welcome bonusNot disclosed
RewardsNo foreign transaction fee;
LoungeKey access;
24/7 Concierge services;
A series of gift cards the more you spend


How does Coutts World Silk credit card work?

Coutts & Company isn’t exactly what you’d consider an average financial institution. Founded in 1692, this private bank prides itself on its exclusive line of customers, and it’s known for being used by the British Royal Family. 

That said, the card is only available for existing members. If, however, you’re able to become a part of Coutts’ limited clientele, this credit card might be the perfect choice for you.

Unlike most “gold” credit cards, this product charges no annual fees. Coutts can also personalize its spending limit based on your financial profile. The Coutts World Silk credit card offers high-quality services, and it’s especially suitable for frequent travelers.

Coutts World Silk Credit card pros and cons

Two champagne glasses
What are this card’s pros and cons? Source: Unsplash

This is a high-end credit card with great features, globally known as The Queen’s card. However, there are also a couple of disadvantages to this card that you should know before applying. See what they are below. 



  • No annual fee.
  • No foreign transaction charges;
  • LoungeKey membership;
  • Thank You from Coutts – a rewards program that provides the cardholder with a series of luxurious gifts as spending increases
  • Concierge services are available 24/7.


  • Only available for existing Coutts clients;
  • Requires an excellent credit score.

Does my credit score need to be good?

Not only does your credit score needs to be perfect, but it might also take a lot more than that for you to get access to the Coutts World Silk credit card. That said, you need to have an annual income of at least £500,000, or £1 million to invest in the bank. 

Want to apply for Coutts World Silk card?

Firstly, you need to be a part of Coutts’ exclusive club of members before applying for this card since it’s not available to the general public. If you are lucky enough to be a Coutts client already, we’ll take you through the application process for the card in the link below!

Coutts' logo with three crowns

How do you get the Coutts World Silk card?

Learn the application process for the Coutts World Silk card and get yours today!

About the author

Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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