ADCB LuLu Titanium Credit Card

Earn 3.5 LuLu Points per AED 1 at LuLu and up to 1 on other eligible spend. Selected categories earn 0.2 or 0.4 point per AED. Every 5,000 ADCB LuLu Points redeem for AED 50.

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

You must be at least 18 with a minimum salary of AED 5,000.

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 Cash advances cost 3.15% of the amount withdrawn or AED 105, whichever is higher.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.