ADCB LuLu Platinum Credit Card
Earn 8% back as LuLu Points on all your LuLu shopping
at ADCB's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
A free-for-life card that hands back 8% on the weekly LuLu shop is an easy recommendation — the lounge access is a genuine bonus. Just don't make it your everyday card: outside LuLu the earn rate is vague and modest, and the points only ever buy more LuLu shopping.
Earning and redeeming LuLu Points
Every AED 1 at a LuLu store earns 8 LuLu Points — an effective 8% back with no minimum spend requirement, which is the highest supermarket earn rate in the UAE. All other spending earns up to 1.25 points per AED 1; ADCB does not publish the tiers behind that 'up to', so treat 1.25% as a best case.
Redemption could not be simpler: walk into any LuLu across the UAE and every 5,000 points takes AED 50 off at the till (or online). Points post at the end of each month and stay valid for 3 years. Note the usual exclusions — cash advances, balance transfers, fees, charity, exchange houses and bill payments above AED 3,500 a cycle earn nothing.
Rates and fees
- Annual fee
- AED 0 — free for life, per both the card page and ADCB's Schedule of Fees.
- Interest rate
- 3.69% per month (44.28% APR) on purchases and cash advances.
- Foreign transaction fee
- 2.99% on non-AED transactions, plus the card scheme's ~1.15% processing fee.
- Cash advance fee
- 3.15% of the amount, minimum AED 105.
- Late payment fee
- AED 241.50 if the minimum payment is missed.
- Over-limit fee
- AED 288.75.
- Minimum payment
- 5% of the balance or AED 100, whichever is higher; payment due 25 days from statement.
Rates from ADCB's Schedule of Fees (Ver.46, effective 1 January 2026) and Credit Cards Key Facts Statement; all fees include 5% VAT. Verify against the bank's latest schedule before applying.
Card benefits
8% back at LuLu
8 LuLu Points per AED 1 on all LuLu shopping with no minimum spend — every 5,000 points are worth AED 50 at any UAE LuLu store.
Complimentary lounge access
Airport lounge access for the primary and the supplementary cardholder — rare on a card with no annual fee.
2-for-1 at Reel Cinemas
Buy one movie ticket, get one free — up to 2 complimentary tickets every month.
0% school-fee instalments
Convert school fees into a zero-interest payment plan (AED 52.50 processing fee).
Credit shield life cover
Complimentary life cover; optional Credit Shield balance protection at 1.0395% of the outstanding per cycle.
Pros and cons
- 8 LuLu Points per AED 1 (8% back) at LuLu, with no minimum spend
- Free for life — no annual fee at all
- Airport lounge access for primary and supplementary cardholders
- Simple redemption: 5,000 points = AED 50 at any UAE LuLu store
- Buy-one-get-one Reel Cinemas tickets, up to 2 free per month
- 0% instalment plan for school fees
- Rewards only redeem at LuLu stores in the UAE — no cash or transfer options
- Non-LuLu spend earns just 'up to' 1.25%, with the tiers undisclosed
- AED 8,000 minimum salary is high for a store card
- 2.99% foreign-currency fee makes it a poor travel card
- Points expire after 3 years
- 3.69% monthly interest if you carry a balance
Is it right for you?
Get this card if
- LuLu Hypermarket is your main grocery destination — 8% back adds up fast
- You want a genuinely free card with no annual fee tricks
- You'd use lounge access for yourself and a family supplementary cardholder
Consider skipping it if
- You shop at Carrefour, Union Coop or Spinneys more than LuLu
- You want flexible rewards — points only redeem as LuLu shopping
- You spend heavily abroad, where the 2.99% FX fee erases the rewards
Alternatives to consider
Emirates NBD's LuLu 247 Platinum is the direct rival — compare its LuLu earn rate and perks before you commit.
Best grocery credit cards →
ADCB's 365 Cashback card pays cashback you can use anywhere — better if your groceries are split across chains.
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The Shukran ADCB card earns 10% back at Centrepoint, Max, Home Centre and other Landmark brands, with a first-year fee waiver.
Best no-annual-fee cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
Does the ADCB LuLu Platinum Credit Card have an annual fee?+
No — the card is free for life, with no annual fee ever.
What is the minimum salary for the ADCB LuLu Platinum card?+
AED 8,000 per month, or eligibility for a credit limit of at least AED 15,000. You must be at least 18 years old.
How many LuLu Points do I earn?+
8 LuLu Points per AED 1 spent at LuLu stores (8% back, no minimum spend) and up to 1.25 LuLu Points per AED 1 on all other spending.
How do I redeem LuLu Points?+
At any LuLu store across the UAE — every 5,000 LuLu Points are worth AED 50, so one point equals one fils.
Do LuLu Points expire?+
Yes. Points are credited at the end of each month and remain valid for 3 years from that date; unredeemed points then expire.
Does the card include airport lounge access?+
Yes — complimentary airport lounge access for both the primary and the supplementary cardholder. ADCB does not publish the lounge network or visit limits on the card page.
Which transactions do not earn LuLu Points?+
Per the LuLu card terms: fees and interest, cash advances, balance transfers, credit card loans, insurance premiums for ADCB-offered products, charitable donations, exchange-house transactions, amounts over your credit limit, and bill payments above AED 3,500 per billing cycle.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.