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SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

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ENBD Lulu 247 Platinum Credit Card
Joining Fee
AED 525
Annual Fee
AED 262.50
Minimum Salary
AED 12,000

ENBD Lulu 247 Platinum Credit Card

A LuLu co-brand card earning up to 7% back as LuLu Points at LuLu stores, with Mastercard Travel Pass lounge access.

Updated Sep 2026

≈ AED 8,610 potential value / year · incl. perks
WebsiteVisit ENBD Lulu 247 Platinum Credit Card credit card website

At a glance

Welcome offer

Welcome bonus
500 LuLu Points welcome bonus

Rewards

CategoryEarnRate
Lulu
0.07 points per AED
7%

0.07 points per AED

Fuel
0.04 points per AED
4%

0.04 points per AED

Utilities
0.02 points per AED
2%

0.02 points per AED

Education, Government +5 more
0.0007 points per AED
0.07%

0.0007 points per AED

All other spend
0.007 points per AED
0.7%

0.007 points per AED

CategoryEarnRate
Lulu
0.07 points per AED
7%

0.07 points per AED

Fuel
0.04 points per AED
4%

0.04 points per AED

Utilities
0.02 points per AED
2%

0.02 points per AED

Education, Government +5 more
0.0007 points per AED
0.07%

0.0007 points per AED

All other spend
0.007 points per AED
0.7%

0.007 points per AED

Total rewards capped at 1,667 points a month

See all rewards

Fees and eligibility

Joining FeeAED 525
Annual FeeAED 262.50
Minimum SalaryAED 12,000
Monthly Purchase Rate
3.69%
International Transaction Fee (non-AED)
1.99%
See all fees

Top benefits

Airport lounge4/year
See all benefits

Welcome offer

500 LuLu Points welcome bonus

Earn up to 500 LuLu Points, subject to spend and joining conditions.

Earn 250 points after paying the joining fee and making a first transaction, then 250 more after spending AED 8,000 in the first two billing statements.

See full breakdown

Rewards

7LuLu Points

per AED 100 at LuLu stores (7% back).

Earn 7 LuLu Points per AED 100 spent at LuLu stores and online, capped at 1,667 points per statement.

See full breakdown

4LuLu Points

per AED 100 on fuel.

Earn 4 LuLu Points per AED 100 spent on fuel.

See full breakdown

0.7LuLu Points

per AED 100 on other eligible spend.

Earn 0.7 LuLu Points per AED 100 on other eligible retail spend and 2 points on utility bills. Selected domestic and EU purchases earn less.

See full breakdown

Rewards Calculator

My Cards

Already have the ENBD Lulu 247 Platinum Credit Card?

Add it to your wallet, include any other cards you own, and see exactly where this card should be used.

Open My Cards

Eligibility

21

Minimum Age

12,000AED

Minimum Income

UAE residency documents

Emirates NBD may request Emirates ID, passport copy, 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 752
Lifestyle

Merchant

Al Musheer Gulf Fashion

15%-25% off Kanduras (depending on the fabric).

Valid until 31 Oct 2026
View offer
Lifestyle

Merchant

Belhasa Driving Center

Exclusive price at Belhasa Driving Center

Valid until 31 Oct 2026
View offer
Restaurants

Merchant

Biella

20% off on food & beverage

Valid until 31 Oct 2026
View offer
Lifestyle

Merchant

Blazerr.ae

15% off total bill

Valid until 31 Oct 2026
View offer

Additional Benefits

Mastercard Travel Pass lounge access

4 visits a year via Mastercard Travel Pass.

4 Mastercard Travel Pass lounge visits or airport dining offers a calendar year for the cardholder; guests USD 32 each; later visits need a USD 1 international transaction in the prior 3 months.

See full breakdown

Movie ticket offer

Buy one movie ticket, get one free at participating cinemas.

Buy one ticket, get one free at Reel and Cine Royal Cinemas, subject to the bank's minimum spend criteria.

See full breakdown

Fees

525AED

Joining Fee

262.5AED

Annual Fee

3.69%

Monthly Purchase Rate

3.69% per month (44.28% 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 Pro1.04%*

*Monthly premium on the credit card outstanding balance when enrolled.

Important Stuff

Key Facts Statement

Opens in a new tab

Frequently Asked Questions

Get answers to common questions about ENBD Lulu 247 Platinum Credit Card credit card

You earn 7 LuLu Points per AED 100 at LuLu stores (7% back), 4 on fuel, 2 on utilities and 0.7 on other eligible spend. One point equals AED 1 at LuLu stores. Earnings are capped at 1,667 points per statement.

Yes. The joining fee is AED 525 and the annual renewal fee is AED 262.50.

You need a minimum monthly salary of AED 12,000 and must be at least 21 years old. Emirates NBD may also ask for your Emirates ID, a passport copy, a salary certificate or bank statements, and a security cheque as part of the application.

You can earn 250 LuLu Points after paying the joining fee and making a first transaction, then another 250 after spending AED 8,000 in the first two billing statements. Points are credited within three weeks after meeting the conditions.

The card offers Mastercard Travel Pass lounge access worldwide, subject to the programme's current eligibility and visit rules.

Yes — buy-one-get-one-free tickets are offered at Reel and Cine Royal Cinemas, subject to minimum spend criteria.

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