I did something stupid yesterday! I had a few thousand CoC points and figured I would up wasting them as not planning any significant spend on my Coutts Gold between now and when CoC shuts on 28 march.

but then i thought why waste them. So I put about 10k of my tax bill on that card to hmrc.....instead of putting it on my bmi 2miles/£1 MasterCard. Given the 1.4% fee, a waste as I am now few hundred quid away from redeeming 6 bottles of red....instead of Pocketing 20k avios! Really kicking myself.

I think the rewards for hitting the various spend thresholds would need to be mega to bother with the £350 fee for the Silk card. If not, then assuming you are in the category of spending 50k pa on a MasterCard, there are IMHO more rewarding cards out there.