LuLu Platinum earns 8 LuLu Points per AED 1 at LuLu stores and 1.25 on other eligible spend, from AED 8,000 salary, with four airport lounge visits a year. LuLu Titanium earns 3.5 points per AED 1 at LuLu and 1 elsewhere, from AED 5,000. 5,000 LuLu Points redeem for AED 50 at any LuLu store in the UAE, so Platinum returns 8% at LuLu and Titanium 3.5%.
Highest LuLu earn rate
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB LuLu Platinum Credit Card
≈ AED 10,228 potential value / year · incl. perks
8 LuLu Points per AED 1 spent at LuLu stores
Up to 1.25 LuLu Points per AED 1 spent on all other spends
4 lounge visits/year
Lowest salary
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB LuLu Titanium Credit Card
≈ AED 5,400 potential value / year
3.5 LuLu Points per AED 1 spent at LuLu stores
Up to 1 LuLu Points per AED 1 spent on all other spends
ADCB LuLu Credit Cards compared
A side-by-side snapshot of joining fees, salary requirements, and standout benefits.
| Card | Joining fee | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|---|
 | Free | Free | AED 8,000 | 8 LuLu Points per AED 1 at LuLu, 1.25 elsewhere, 4 lounge visits a year, REEL Cinemas buy-one-get-one twice a month |
 | Free | Free | AED 5,000 | 3.5 LuLu Points per AED 1 at LuLu, 1 elsewhere, from AED 5,000 salary |
| Card | Joining fee | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|---|
| Free | Free | AED 8,000 | 8 LuLu Points per AED 1 at LuLu, 1.25 elsewhere, 4 lounge visits a year, REEL Cinemas buy-one-get-one twice a month |
| Free | Free | AED 5,000 | 3.5 LuLu Points per AED 1 at LuLu, 1 elsewhere, from AED 5,000 salary |
ADCB LuLu Platinum Credit Card
Joining feeFree
Annual feeFree
Min. salaryAED 8,000
Highlight8 LuLu Points per AED 1 at LuLu, 1.25 elsewhere, 4 lounge visits a year, REEL Cinemas buy-one-get-one twice a month
ADCB LuLu Titanium Credit Card
Joining feeFree
Annual feeFree
Min. salaryAED 5,000
Highlight3.5 LuLu Points per AED 1 at LuLu, 1 elsewhere, from AED 5,000 salary
October Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Why choose ADCB Lulu
1.
Both cards are free for life
Neither ADCB LuLu card charges a joining or annual fee, so every LuLu Point earned is kept. The choice between them comes down to salary and how much you spend at LuLu.
2.
Points spend at the till
5,000 LuLu Points redeem for AED 50 at any LuLu store in the UAE, from a balance of 5,000. There is no transfer partner to chase: the earn rate at LuLu is the return.
3.
Supermarkets elsewhere earn less
On both cards, other supermarkets, car dealers, insurance and fast food earn 0.4 LuLu Points per AED, and fuel, education, government, real estate, telecom, charity and transport earn 0.2. The cards pay for a household that does its main shop at LuLu.
LuLu Platinum or LuLu Titanium?
1.
Salary AED 5,000–7,999 → ADCB LuLu Titanium
The only ADCB LuLu card at this salary: 3.5 LuLu Points per AED 1 at LuLu, 1 elsewhere, and no fees.
2.
Salary AED 8,000+ → ADCB LuLu Platinum
More than double the LuLu earn rate at 8 points per AED 1, 1.25 elsewhere, plus four lounge visits a year and REEL Cinemas offers, still with no fees.
What each ADCB LuLu card returns on the same monthly spend
Adjust your monthly spending to see how cashback changes across cards.
Lulu
8%
AED 0
8% · AED 0
Lulu
3.5%
AED 0
3.5% · AED 0
Grocery, Car Dealers +2 more
0.4%
AED 0
0.4% · AED 0
Grocery, Car Dealers +2 more
0.4%
AED 0
0.4% · AED 0
Fuel, Education +5 more
0.2%
AED 0
0.2% · AED 0
Fuel, Education +5 more
0.2%
AED 0
0.2% · AED 0
Other Spends
1.25%
AED 0
1.25% · AED 0
Other Spends
1%
AED 0
1% · AED 0
Airport Lounge Access
AED 736
Airport Lounge Access
—
REEL Cinemas BOGO
AED 528
REEL Cinemas BOGO
—
Annual Fee
Free
Annual Fee
Free
Total
+ AED 1,264
Total
+ AED 0
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
2 cards in the UAE
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB LuLu Platinum Credit Card
- Salary: AED 8,000+
- No Annual Fee
- 8 LuLu Points per AED 1 spent at LuLu stores
- Up to 1.25 LuLu Points per AED 1 spent on all other spends
- 4 lounge visits/year
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB LuLu Titanium Credit Card
- Salary: AED 5,000+
- No Annual Fee
- 3.5 LuLu Points per AED 1 spent at LuLu stores
- Up to 1 LuLu Points per AED 1 spent on all other spends
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000–8,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 5,000–8,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about ADCB LuLu Credit Cards in the UAE
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