Best Credit Cards for LuLu Hypermarket UAE
Compare UAE credit cards for LuLu.
See cardsLast updated: - Sourced from official issuer documents and product pages.
Good to know
ENBD LuLu 247 Platinum earns up to 7% LuLu Points for a AED 525 joining fee and AED 262.50 annual fee; ADCB LuLu Platinum earns 8 LuLu Points per AED 1 and is free. Plus EI Cashback Plus (10% grocery), FAB Cashback (5% grocery), and other general grocery alternatives.
Best for LuLu (premium)
EMIRATES NBD
ENBD Lulu 247 Platinum Credit Card
≈ AED 8,610 potential value / year · incl. perks
Up to 7% LuLu Points on spends.
Welcome Offer: 500 LuLu Points
Mastercard Travel Pass lounges
Best for LuLu (accessible)
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB LuLu Platinum Credit Card
≈ AED 10,228 potential value / year · incl. perks
8 LuLu Points per AED 1 spent at LuLu stores
Up to 1.25 LuLu Points per AED 1 spent on all other spends
4 lounge visits/year
Best grocery cashback
EMIRATES ISLAMIC
Emirates Islamic Cashback Plus Credit Card
Islamic≈ AED 10,990 potential value / year · incl. perks
Up to 10% cashback on groceries, education, dining, telecom
Unlimited airport lounge access
2 rounds of complimentary golf per month
Best Credit Cards for LuLu Hypermarket UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 262.50 | AED 12,000 | Up to 7% LuLu Points at LuLu Hypermarket, unlimited lounge access, AED 525 joining fee, AED 262.50 annual fee, from AED 12,000 |
| Free | AED 8,000 | 8 LuLu Points per AED 1 at LuLu stores, lounge access, no annual fee, from AED 8,000 |
 | Free | AED 5,000 | LuLu-focused earn structure, no annual fee, from AED 5,000 |
 | Free | AED 5,000 | 3.5 LuLu Points per AED 1 at LuLu stores, no annual fee, from AED 5,000 |
| AED 313.95 | AED 12,000 | Up to 10% cashback on groceries including LuLu, lounge access, AED 313.95 annual fee, from AED 12,000 |
 | AED 313.95 (waivable) | AED 5,000 | Up to 8% cashback on spends including grocery, AED 300 annual fee (waived first year), from AED 10,000 |
 | AED 315 | AED 5,000 | 5% cashback on groceries, dining and fashion, AED 300 annual fee, from AED 5,000 |
 | AED 418.95 | AED 5,000 | 5% cashback on groceries, dining and fuel, AED 399 annual fee, from AED 5,000 |
 | AED 383.25 | AED 5,000 | 3% grocery cashback at all supermarkets including LuLu (needs AED 5,000/month total), from AED 5,000 |
 | AED 617.40 (waivable) | AED 35,000 | Up to 4 Rewards points/AED; grocery earns the published reduced rate; only Privilege removes the bank FX surcharge, from AED 35,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 262.50 | AED 12,000 | Up to 7% LuLu Points at LuLu Hypermarket, unlimited lounge access, AED 525 joining fee, AED 262.50 annual fee, from AED 12,000 |
| Free | AED 8,000 | 8 LuLu Points per AED 1 at LuLu stores, lounge access, no annual fee, from AED 8,000 |
| Free | AED 5,000 | LuLu-focused earn structure, no annual fee, from AED 5,000 |
| Free | AED 5,000 | 3.5 LuLu Points per AED 1 at LuLu stores, no annual fee, from AED 5,000 |
| AED 313.95 | AED 12,000 | Up to 10% cashback on groceries including LuLu, lounge access, AED 313.95 annual fee, from AED 12,000 |
| AED 313.95 (waivable) | AED 5,000 | Up to 8% cashback on spends including grocery, AED 300 annual fee (waived first year), from AED 10,000 |
| AED 315 | AED 5,000 | 5% cashback on groceries, dining and fashion, AED 300 annual fee, from AED 5,000 |
| AED 418.95 | AED 5,000 | 5% cashback on groceries, dining and fuel, AED 399 annual fee, from AED 5,000 |
| AED 383.25 | AED 5,000 | 3% grocery cashback at all supermarkets including LuLu (needs AED 5,000/month total), from AED 5,000 |
| AED 617.40 (waivable) | AED 35,000 | Up to 4 Rewards points/AED; grocery earns the published reduced rate; only Privilege removes the bank FX surcharge, from AED 35,000 |
ENBD Lulu 247 Platinum Credit Card
Annual feeAED 262.50
Min. salaryAED 12,000
HighlightUp to 7% LuLu Points at LuLu Hypermarket, unlimited lounge access, AED 525 joining fee, AED 262.50 annual fee, from AED 12,000
ADCB LuLu Platinum Credit Card
Annual feeFree
Min. salaryAED 8,000
Highlight8 LuLu Points per AED 1 at LuLu stores, lounge access, no annual fee, from AED 8,000
ENBD Lulu 247 Titanium Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightLuLu-focused earn structure, no annual fee, from AED 5,000
ADCB LuLu Titanium Credit Card
Annual feeFree
Min. salaryAED 5,000
Highlight3.5 LuLu Points per AED 1 at LuLu stores, no annual fee, from AED 5,000
Emirates Islamic Cashback Plus Credit Card
Annual feeAED 313.95
Min. salaryAED 12,000
HighlightUp to 10% cashback on groceries including LuLu, lounge access, AED 313.95 annual fee, from AED 12,000
Emirates Islamic Switch Cashback Credit Card
Annual feeAED 313.95 (waivable)
Min. salaryAED 5,000
HighlightUp to 8% cashback on spends including grocery, AED 300 annual fee (waived first year), from AED 10,000
FAB Cashback Credit Card
Annual feeAED 315
Min. salaryAED 5,000
Highlight5% cashback on groceries, dining and fashion, AED 300 annual fee, from AED 5,000
Dubai First Cashback Credit Card
Annual feeAED 418.95
Min. salaryAED 5,000
Highlight5% cashback on groceries, dining and fuel, AED 399 annual fee, from AED 5,000
ADCB 365 Cashback Credit Card
Annual feeAED 383.25
Min. salaryAED 5,000
Highlight3% grocery cashback at all supermarkets including LuLu (needs AED 5,000/month total), from AED 5,000
Rakbank Elevate Credit Card
Annual feeAED 617.40 (waivable)
Min. salaryAED 35,000
HighlightUp to 4 Rewards points/AED; grocery earns the published reduced rate; only Privilege removes the bank FX surcharge, from AED 35,000
November Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Why use a credit card at LuLu Hypermarket
1.
Co-branded LuLu cards deliver the best in-store return at LuLu
Dedicated ENBD and ADCB LuLu cards earn elevated rates specifically at LuLu stores. ADCB LuLu Platinum is free; ENBD LuLu 247 Platinum charges a AED 525 joining fee and a AED 262.50 annual fee. Both include lounge access alongside their earn structure.
2.
EI Cashback Plus earns up to 10% grocery — works at LuLu and everywhere else
Emirates Islamic Cashback Plus earns up to 10% on grocery spend across all supermarkets, making it a strong option for shoppers who want high grocery cashback without being locked to LuLu.
3.
FAB Cashback and Dubai First offer 5% grocery with broad category coverage
Both FAB Cashback and Dubai First Cashback earn 5% on groceries alongside dining and other daily spend categories — providing multi-category value beyond just supermarket spending.
How to choose the right card for LuLu
1.
Mainly shopping at LuLu: co-branded cards win in-store
ENBD LuLu 247 Platinum (AED 12K, AED 525 joining fee, AED 262.50 annual fee) and ADCB LuLu Platinum (AED 8K, free) deliver the highest returns specifically at LuLu. Co-branded cards outperform general grocery cards for concentrated LuLu spend.
2.
Mixed grocery shopper: EI Cashback Plus or ADCB 365
EI Cashback Plus (up to 10% grocery) and ADCB 365 (3% grocery) both earn at LuLu and every other UAE supermarket — useful if your grocery spend is spread across chains.
10 cards in the UAE
EMIRATES NBD
ENBD Lulu 247 Platinum Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 262.50
- Up to 7% LuLu Points on spends.
- Welcome Offer: 500 LuLu Points
- Mastercard Travel Pass lounges
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB LuLu Platinum Credit Card
- Salary: AED 8,000+
- No Annual Fee
- 8 LuLu Points per AED 1 spent at LuLu stores
- Up to 1.25 LuLu Points per AED 1 spent on all other spends
- 4 lounge visits/year
EMIRATES NBD
ENBD Lulu 247 Titanium Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Earn LuLu Points: Up to 3.5% cashback.
- 0% Balance Transfer - No Fees
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB LuLu Titanium Credit Card
- Salary: AED 5,000+
- No Annual Fee
- 3.5 LuLu Points per AED 1 spent at LuLu stores
- Up to 1 LuLu Points per AED 1 spent on all other spends
EMIRATES ISLAMIC
IslamicEmirates Islamic Cashback Plus Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 313.95
- Up to 10% cashback on groceries, education, dining, telecom
- Unlimited airport lounge access
- 2 rounds of complimentary golf per month
EMIRATES ISLAMIC
IslamicEmirates Islamic Switch Cashback Credit Card
- Salary: AED 5,000+
- No Annual Fee for the first year
- Welcome Offer: AED 500 Cashback points
- Up to 8% cashback on your spends
- Switch between Lifestyle or Travel cashback category
FIRST ABU DHABI BANK (FAB)
FAB Cashback Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 315
- 5% cashback on fashion, dining, groceries
- 3% cashback on international spends
- 1% cashback on other retail spends
DUBAI FIRST
Dubai First Cashback Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 418.95
- 5% Cashback on groceries, dining and fuel
- 0.50% Cashback on international and domestic retail spends
- Instant Cashback Redemption
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 383.25
- 6% cashback on dining (including online food orders)
- 5% cashback on fuel and Salik
- 3% cashback on groceries and supermarkets
RAKBANK
Rakbank Elevate Credit Card
- Salary: AED 35,000+
- Tier fee from AED 51.45/month
- Up to 4 RAKrewards/AED
- Up to 3.2% travel value
- Privilege: 0% bank FX fee
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000–35,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 5,000–35,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best Credit Cards for LuLu Hypermarket UAE
Paying at LuLu in store
One confirmed LuLu outlet: how sure Kredit is of its category, and the card that earns most there. How Kredit Nearby works
LuLu
Dubai
Spending category
Grocery
Kredit reads LuLu as grocery spending.
Card to use here
ADCB LuLu Platinum Credit Card
Abu Dhabi Commercial Bank (ADCB)
8.00%reward rate
Includes this card's Lulu rate.
Also compared
ENBD Lulu 247 Platinum Credit Card · 7.00%
Balanced rate, fee and reward cap
UAB Platinum Credit Card · Up to 5.00%
No annual fee
Modelled on AED 5,000 monthly spend. Your own cards change the answer.
Before you pay at LuLu
Best card to pay with at LuLu
The credit card that earns most when you pay at LuLu, with the current bank offers.
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