ENBD Lulu 247 Titanium Credit Card

You earn 3.5 LuLu Points per AED 1 spent at LuLu stores (about 3.5% back) and 0.5 points per AED on other spend. 1 LuLu Point equals AED 0.01.

No — the ENBD Lulu 247 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. Emirates NBD may also ask for UAE residency documents — your Emirates ID, a passport copy, a salary certificate or bank statements, and a security cheque — as part of the application.

You can transfer balances from other credit cards onto this one at 0% interest with no processing fee. It's listed as the card's welcome offer, so it's available when you take out the card, letting you move existing card debt across without incurring transfer charges.

The card includes complimentary access to over 10 airport lounges across the region. It's one of the card's standard listed benefits, provided at no extra cost alongside the LuLu Points earning and the 0% balance transfer offer.

The card is free for life, but other charges apply for specific uses: a 3.49% monthly purchase rate (41.88% per annum), a late payment fee of AED 241.50, an over-limit fee of AED 292.95, a cash advance fee of 3.15% or AED 103.95 (whichever is higher), and a 1.99% fee on international or foreign-currency transactions.