For me its the whole range of benefits, I would imagine that quite a few will say SPG Plat. For me this year the MO benefits has been really good and paid for the UK Annual fee several times over; but year on year it is the insurance for me and my family as we have the full quota of cards on my account.

I've just this month paid the annual fee and don't begrudge it at all when I think about what use I and my family have got out of it in the past 12 months.

Thanks,
Richard