ADCB LuLu Titanium Credit Card

3.5 LuLu Points per AED 1 spent at LuLu stores, and up to 1 LuLu Point per AED 1 on all other spend.

No — the ADCB LuLu Titanium Credit Card is free for life.

You need a minimum monthly salary of AED 5,000 and must be at least 21 years old to apply. There's no separate minimum credit limit requirement listed for this card.

The card charges 3.69% per month on any revolving balance, which works out to 44.28% per annum. If the minimum payment isn't received by the due date, a late payment fee of AED 241.50 applies, and going over your credit limit triggers a separate AED 288.75 over-limit fee.

International transactions in a non-AED currency, and foreign-currency transactions settled in AED while abroad, are both charged at 2.99% of the transaction amount. Cash advances cost 3.15% of the amount withdrawn or AED 105, whichever is higher.

The ADCB LuLu Titanium Credit Card runs on the Mastercard Titanium network, and adding a supplementary card for a family member is complimentary at no extra fee. You can also opt into Credit Shield Insurance, an optional add-on charged monthly at 1.04% of your outstanding balance if you enroll.