Basically obtaining her a reserve card linked to your account for $175 would do nothing for you as it counts towards the $60K spend you already met. For your strategy, you would have to have her apply for her own reserve account at $450 per year, then obtain a free additional (non-reserve) card off her account and start charging on that card to apply it to her $60K annual limit. Also as I understand any of the MQM bonuses she obtains for opening the account could only apply toward her Sky Mile account but when she reaches the 30k and 60k threshold, she could gift you the MQM. Also the miles earned on those cards would go into her Sky Miles account not yours.