Lifestyle
Merchant
Brotzeit
10% discount on dine-in and takeaway at Brotzeit
Valid until 25 Aug 2026
- Joining Fee
- Free
- Annual Fee
- Free
- Minimum Salary
- AED 8,000
ADCB LuLu Platinum Credit Card
A free-for-life LuLu co-brand card earning 8 LuLu Points per AED at LuLu stores, with complimentary airport lounge access.
≈ AED 29,668 potential value / year · incl. perks
Rewards
8LuLu Points
per AED 1 at LuLu stores.
Earn 8 LuLu Points per AED 1 spent at LuLu stores.
See full breakdown1.25LuLu Points
per AED 1 on all other spend.
Earn up to 1.25 LuLu Points per AED 1 on all other UAE and international spend.
See full breakdownRewards Calculator
My Cards
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Eligibility
21
Minimum Age
8,000AED
Minimum Income
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
August 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
Offers
See all 2883View offer
Lifestyle
Merchant
Max
15% discount on selected items through the Max website and app
Valid until 26 Aug 2026
Lifestyle
Merchant
Max
15% discount on selected items at Max
Valid until 26 Aug 2026
Lifestyle
Merchant
UDN Restaurant
15% discount on F&B at UDN Restaurant
Valid until 26 Aug 2026
Additional Benefits
Airport lounge access
4 complimentary visits per year to 25+ lounges.
No minimum spend requiredRegister the eligible Mastercard Platinum card in Mastercard Travel Pass before travel to unlock four complimentary lounge visits per year.
See full breakdownREEL Cinemas offer
Buy 1 ticket and get 1 free, up to 2 times per month.
No minimum spend requiredUse the eligible ADCB LuLu Platinum card for up to two buy-one-get-one-free ticket redemptions per month at REEL Cinemas.
See full breakdownFees
Free
Joining Fee
Free
Annual Fee
3.69%
Monthly Interest Rate
3.69% per month (44.28% per annum).
Late Payment FeeAED 241.5*
*Charged if the minimum payment due is not received by the payment due date.
Over Limit FeeAED 288.75*
*Charged when the balance exceeds the credit limit.
Cash Advance Fee3.15%*
*3.15% of the cash advance amount or AED 105, whichever is higher.
International Transaction Fee (non-AED)2.99%*
*2.99% of the transaction amount for non-AED spend.
Foreign Currency Transaction Fee (AED abroad)2.99%*
*2.99% on foreign-currency transactions settled in AED abroad.
Card ReplacementAED 78.75
Supplementary CardFree*
*Complimentary.
Credit Shield1.04%*
*Optional; charged monthly on the outstanding balance when enrolled.
Frequently Asked Questions
Get answers to common questions about ADCB LuLu Platinum Credit Card credit card
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- 1.25% cashback on other spends (as talabat credit)
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