ENBD Lulu 247 Titanium Credit Card

You earn 3.5 LuLu Points per AED 100 at LuLu stores (3.5% back), 2 points on fuel, 1 on utilities and 0.35 on other eligible spend. One point equals AED 1 at LuLu stores. Earnings are capped at 833 points per statement.

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.

At onboarding, you can transfer at least AED 1,000 for 6 or 12 months at 0% interest with no processing fee, up to 50% of your available credit limit.

Airport lounge access was discontinued for this card on 1 May 2025.

The card is free for life, but other charges apply: a 3.69% monthly purchase rate (44.28% 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% foreign-currency transaction fee.