ADCB LuLu Titanium Credit Card
Turn everyday spending into free LuLu shopping
at ADCB's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
A free card that drips LuLu vouchers back at you is harmless enough, but ADCB has left this page to gather dust — undisclosed earn tiers, no published salary requirement and a rates note from 2020. Qualify for the LuLu Platinum's flat 8% instead if you can.
Earning and redeeming LuLu Points
The card earns up to 3.5 LuLu Points per AED 1 on your spending. That 'up to' is doing heavy lifting: ADCB's page does not say which categories earn the full rate, and the revised-rates document it links to dates from October 2020. Assume LuLu spending earns the top rate and everything else earns less — and confirm with the bank if the split matters to you.
Redemption is the appealing part: every 5,000 points become a AED 50 voucher usable at any LuLu Hypermarket in the UAE. Points post monthly and, per the LuLu card terms, stay valid for 3 years. The usual non-earning transactions apply — cash advances, balance transfers, fees, charity, exchange houses and bill payments above AED 3,500 a cycle.
Rates and fees
- Annual fee
- AED 0 — the Schedule of Fees lists all Titanium/Gold cards as free.
- 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
Up to 3.5 points per dirham
Spending earns up to 3.5 LuLu Points per AED 1 — the bank's advertised maximum; the category split is not published.
AED 50 LuLu vouchers
Every 5,000 LuLu Points convert to an AED 50 voucher, redeemable at any LuLu Hypermarket in the UAE.
Lounge access (per the page)
ADCB's page grants LuLu Titanium holders complimentary airport lounge access — programme and limits unpublished; confirm with the bank.
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
- No annual fee
- Up to 3.5 LuLu Points per AED 1, redeemable as LuLu vouchers
- Complimentary airport lounge access (per the card page)
- Simple redemption: 5,000 points = AED 50 at any UAE LuLu
- 0% school-fee instalment plan
- ADCB does not publish the earn-rate split — 3.5 points is only the 'up to' maximum
- Minimum salary requirement is not published on the page
- Rewards redeem only as LuLu vouchers — no cash or flexibility
- The page is dated: the latest rates note is from October 2020, and lounge details conflict with the LuLu card T&C
- 2.99% foreign-currency fee and 3.69% monthly interest, like all ADCB cards
Is it right for you?
Get this card if
- You want a no-annual-fee card and shop at LuLu regularly
- You don't meet the LuLu Platinum's AED 8,000 salary requirement
- Simple voucher redemption at the LuLu till suits you
Consider skipping it if
- You qualify for the LuLu Platinum — its flat 8% at LuLu beats this card outright
- You want to know exactly what each dirham earns before applying
- You need rewards you can spend outside LuLu
Alternatives to consider
Also free for life, but with a flat 8% back at LuLu, documented lounge access and clearly published terms — better if you earn AED 8,000+.
Best grocery credit cards →
Emirates NBD's LuLu 247 Platinum competes head-on for LuLu shoppers — worth comparing before you choose an ADCB LuLu card.
Best grocery credit cards →
ADCB's Essential Cashback card is also fee-free but pays cashback you can use anywhere, not vouchers tied to one retailer.
Best cashback 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 Titanium Credit Card have an annual fee?+
No — the card has no annual fee, confirmed by both the card page and ADCB's Schedule of Fees, which lists Titanium and Gold cards as free.
How many LuLu Points do I earn?+
Up to 3.5 LuLu Points per AED 1 spent. ADCB does not publish the per-category split on the card page; revised earn rates took effect on 25 October 2020.
How do I redeem LuLu Points?+
Every 5,000 LuLu Points give a voucher worth AED 50, redeemable at any LuLu Hypermarket across the UAE.
Does the card include airport lounge access?+
The card page says LuLu Titanium cardholders enjoy complimentary airport lounge access, but ADCB does not publish the lounge network or visit limits, and the LuLu card terms list lounge access under the Platinum card. Confirm with the bank before relying on it.
What is the minimum salary for the LuLu Titanium card?+
ADCB does not publish the eligibility criteria on the card page. Contact the bank on 600 50 2030 for the current requirement.
What is the difference between the LuLu Titanium and the LuLu Platinum card?+
The Platinum card earns a flat 8 points per AED 1 at LuLu (8% back), names its perks clearly and requires an AED 8,000 salary; the Titanium earns up to 3.5 points per AED 1 and is positioned as the entry-level LuLu card.
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.