Lifestyle
Merchant
Chocolate Palace
Enjoy 15% off on total bill
Valid until 16 Aug 2026
ENBD Lulu 247 Platinum Credit Card
A free-for-life LuLu co-brand card earning up to 7% back as LuLu Points at LuLu stores, with unlimited regional airport lounge access.
≈ AED 1,342 value / year · incl. perks
Welcome offer
500 LuLu Points welcome bonus
Earn 500 LuLu Points as a welcome bonus.
New cardholders receive up to 500 LuLu Points as a welcome bonus, redeemable in-store at LuLu Hypermarket.
See full breakdownRewards
7LuLu Points
per AED 1 at LuLu stores (7% back).
Earn 7 LuLu Points per AED 1 spent at LuLu Hypermarket stores and the LuLu webstore.
See full breakdown1LuLu Points
per AED 1 on fuel.
Earn 1 LuLu Point per AED 1 on fuel spend.
See full breakdown0.5LuLu Points
per AED 1 on all other spend.
Earn 0.5 LuLu Points per AED 1 on other retail spend. Real estate, government, utilities, education and insurance transactions do not earn points.
See full breakdownRewards Calculator
Eligibility
21
Minimum Age
12,000AED
Minimum Income
UAE residency documents
Emirates NBD may request Emirates ID, passport copy, salary certificate or bank statements, and a security cheque.
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.
Offers
See all 830View offer
Lifestyle
Merchant
Radisson Hotel Andermatt
20% off the non-member flex rate
Valid until 30 Aug 2026
Restaurants
Merchant
Celsius
25% off Food and Beverage
Valid until 31 Aug 2026
Lifestyle
Merchant
Grand Flora Spa Ladies Salon
Enjoy 15% off on spend of AED 150 and above
Valid until 31 Aug 2026
Additional Benefits
Unlimited regional lounge access
Unlimited visits to 25+ lounges across the region.
Unlimited complimentary access to over 25 airport lounges across the region.
See full breakdownVOX Cinemas offer
Buy-one-get-one-free movie tickets at VOX Cinemas.
Enjoy a buy-one-get-one-free offer on movie tickets at VOX Cinemas.
See full breakdownFees
Free
Joining Fee
Free
Annual Fee
3.49%
Monthly Purchase Rate
3.49% per month (41.88% per annum).
Late Payment FeeAED 241.5*
*Charged per month if the minimum payment due is not received in full by the payment due date.
Over Limit FeeAED 292.95*
*Charged once during each billing cycle when the current balance exceeds the credit limit.
Cash Advance Fee3.15%*
*3.15% of the cash advance amount or AED 103.95, whichever is higher.
Installment ProcessingAED 51.45*
*Charged per transaction.
Installment Pre-closure1.05%*
*1.05% of principal outstanding.
International Transaction Fee (non-AED)1.99%*
*Bank currency conversion fee; network processing fees may also apply.
Foreign Currency Transaction Fee (AED abroad)1.99%*
*Applies when settling foreign currency transactions in UAE dirhams overseas.
Direct Debit Return FeeAED 105*
*Charged for returned cheque or direct debit handling.
Credit Shield Pro0.99%*
*Monthly premium on the credit card outstanding balance when enrolled.
Important Stuff
Frequently Asked Questions
Get answers to common questions about ENBD Lulu 247 Platinum Credit Card credit card
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