Emirates NBD LuLu 247 Platinum
Earn 7% back at LuLu as LuLu Points
at Emirates NBD's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"7% back on the weekly LuLu run, redeemed -for- at the till, is about as direct as grocery rewards get in the UAE. But this card only makes sense if LuLu genuinely is your supermarket: the joining fee, the 1,667-point cycle cap and the LuLu-only redemption mean casual shoppers should take the free Titanium — or a cashback card — instead."
Earning and redeeming LuLu Points
Earning is simple: 7% back as LuLu Points on anything you buy at LuLu in-store or on LuLu online, 4% on fuel, 2% on utility bills and 0.7% on everything else — with no minimum spend. The usual ENBD penalty categories apply: non-LuLu groceries, insurance, car dealerships, fast food and EU-originated spends earn 25% of the base rate, while real estate, education and government services earn just 10%. Earning caps out at 1,667 points per billing cycle.
Redemption is the card's best feature: 1 LuLu Point = 1, spendable at the point of sale in 70+ LuLu stores across the UAE from 24 hours after the transaction posts. There is no portal, no conversion and no minimum — but also no other option: points can't be transferred, exchanged for cash or used anywhere but LuLu, and only the primary cardholder can redeem.
Rates and fees
- Joining fee
- 525 (one-time, VAT-inclusive)
- Annual fee
- 262.50 per year from renewal
- Welcome offer
- Up to 500 LuLu Points plus 0% interest on balance transfers with no processing fee — the bank does not publish the points offer's conditions
- Interest rate
- 3.49% per month per the card page; the bank's Feb 2026 price guide lists 3.69% (3.25% for UAE nationals)
- Interest-free period
- 25–55 days when the full balance is paid
- Minimum payment
- 5% of the outstanding or 100, whichever is higher
- Minimum salary
- 12,000 per month
- Foreign transaction fee
- 1.99% bank fee plus ~1.15% network processing fee on non- spend
- Cash advance fee
- 3.15% of the amount (minimum 103.95)
- Late payment fee
- 241.50 per month
- Card network
- Mastercard Platinum
Rates verified against Emirates NBD's Key Facts Statement (08/2026), credit-card price guide (Feb 2026) and the LuLu 247 rewards programme terms, all VAT-inclusive. Always confirm on the issuer's site before applying.
Card benefits
7% back at LuLu
Earn LuLu Points worth 1 each on LuLu in-store and online spends, redeemable at the till in 70+ UAE stores.
LuLu member benefits
Priority checkout, early access to major sales and promotions, and free shipping on LuLu online.
Airport lounge access
Complimentary access to 1,000+ lounges in 300+ cities worldwide with Mastercard Travel Pass.
Buy 1 Get 1 movies
Buy one movie ticket, get the second free — the bank doesn't publish the chain or conditions on the card page.
Valet parking
Complimentary valet parking at selected locations in Abu Dhabi.
Concierge & Mastercard offers
Concierge errand service plus Bicester Village privileges, MyUS premium shipping and purchase protection from Mastercard.
Pros and cons
- 7% back at LuLu — among the highest supermarket earn rates in the UAE
- 4% on fuel and 2% on utilities, with no minimum spend requirement
- 1 LuLu Point = 1, redeemable at 70+ LuLu stores 24 hours after the spend
- Lounge access, Buy-1-Get-1 movies, Abu Dhabi valet and concierge on a mid-tier card
- LuLu member perks: priority checkout, early sale access, free LuLu online shipping
- 525 joining fee plus 262.50 annual fee — the free Titanium version halves the earn instead
- Earning capped at 1,667 LuLu Points per billing cycle
- Points only spendable at LuLu — no cash, transfers or other redemptions
- Weak 0.7% base rate, cut to 25% for non-LuLu groceries and fast food and 10% for education, real estate and government payments
- Welcome offer is 'up to' 500 points and the bank does not publish its conditions
Is it right for you?
Get this card if
- LuLu is your main supermarket and you spend 1,000+ a month there — 7% back clears the fees quickly.
- You also fuel up and pay utility bills on the card, stacking 4% and 2% on top of the grocery earn.
- You're happy taking rewards as money off your LuLu bill rather than cash or miles.
Consider skipping it if
- You shop at Carrefour, Spinneys or Union Coop — non-LuLu grocery spend earns a token 0.175%.
- You don't want fees for a supermarket card — the LuLu 247 Titanium is free for life at half the earn rates.
- You want flexible rewards — LuLu Points can't be converted to cash, miles or anything outside LuLu.
Alternatives to consider
The same LuLu rewards engine at half the rates — 3.5% at LuLu — but free for life and open from a 5,000 salary.
Best no-annual-fee cards →
Free for life with up to 20% back in noon credits across noon's platforms — the online-basket counterpart to this card.
Best online shopping 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
How many LuLu Points do I earn with the LuLu 247 Platinum card?+
7% back as LuLu Points on LuLu in-store and online spends, 4% on fuel, 2% on utility bill payments and 0.7% on other spends. Some categories earn a reduced fraction: non-LuLu groceries, insurance, car dealerships, fast food and EU-originated spends earn 25% of the base rate, while real estate, education and government services earn 10%.
What are LuLu Points worth and how do I redeem them?+
1 LuLu Point equals AED 1. You can redeem points at the till in more than 70 LuLu stores across the UAE, starting 24 hours after the spend posts. Points cannot be transferred or exchanged for cash, and only the primary cardholder can redeem.
What are the fees on the LuLu 247 Platinum card?+
AED 525 joining fee and AED 262.50 annual fee thereafter (both VAT-inclusive per the bank's price guide). The minimum salary requirement is AED 12,000 per month.
Is there a cap on how many points I can earn?+
Yes — earning is capped at 1,667 LuLu Points per billing cycle under the LuLu rewards programme terms, worth AED 1,667 of redemption value.
Does the LuLu 247 Platinum card include airport lounge access?+
Yes — complimentary lounge access worldwide through Mastercard Travel Pass, covering 1,000+ premium lounges in more than 300 cities.
What is the welcome offer?+
Up to 500 LuLu Points as a welcome bonus, plus 0% interest on balance transfers with no processing fee. The bank does not publish the qualifying conditions for the 500 points on the card page.
What interest rate does the card charge?+
The card page lists 3.49% per month; the bank's February 2026 price guide lists 3.69% per month (3.25% for UAE nationals). The minimum payment is 5% of the outstanding or AED 100, whichever is higher.
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.