Emirates NBD LuLu 247 Titanium
3.5% back at LuLu — free for life
at Emirates NBD's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"For a fee-free card at an 5,000 salary, 3.5% back on the LuLu shop is honest value — earn on the basket, spend the points at the till, pay nothing for the privilege. Just know the small print: the lounge perk is discontinued, the cycle cap is 833 points, and outside LuLu, fuel and utilities this card earns next to nothing."
Earning and redeeming LuLu Points
The Titanium runs the Platinum's engine at half throttle: 3.5% back as LuLu Points at LuLu in-store and online, 2% on fuel, 1% on utility bills and 0.35% on everything else, with no minimum spend. The same reduced 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 10%. Earning caps at 833 points per billing cycle.
Redemption is the appeal: 1 LuLu Point = 1, spendable at the point of sale in 70+ LuLu stores across the UAE from 24 hours after the transaction posts. No portal and no conversion — but no flexibility either: points can't be transferred, cashed out or used anywhere but LuLu, and only the primary cardholder can redeem.
Rates and fees
- Annual fee
- Free for life — no joining fee and no renewal fee, confirmed in the bank's KFS and price guide
- Welcome offer
- 0% interest on balance transfers with no processing fee — no points bonus on this card
- Interest rate
- 3.69% per month (44.28% p.a.) on unpaid balances; 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
- 5,000 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 Titanium
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
3.5% 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.
Fuel and utility earn
2% back on fuel and 1% on utility bill payments — useful recurring categories for an entry card.
Credit Shield Pro (optional)
Optional balance-protection insurance covering death, hospitalisation and job loss, at 1.04% of the outstanding per month.
0% instalment plans
Split purchases at participating merchants over 3, 6, 12 or 24 months at 0% interest.
DoubleSecure & card security
DoubleSecure online-transaction protection, SMS alerts and 24-hour assistance.
Pros and cons
- No joining fee and no annual fee, ever
- 3.5% back at LuLu with no minimum spend requirement
- 2% on fuel and 1% on utilities covers everyday essentials
- 1 LuLu Point = 1, redeemable at 70+ LuLu stores 24 hours after the spend
- Accessible 5,000 salary requirement and LuLu member perks included
- Airport lounge access was discontinued effective 1 May 2025 — the page bullet is stale
- Earning capped at 833 LuLu Points per billing cycle
- Points only spendable at LuLu — no cash, transfers or other redemptions
- Thin 0.35% base rate, cut to 25% of that for non-LuLu groceries and fast food and 10% for education, real estate and government payments
- No points welcome bonus — the welcome offer is just 0% balance transfer, and interest runs at a high 3.69% a month
Is it right for you?
Get this card if
- You shop at LuLu, earn 5,000+ a month and want your first rewards card without any fee.
- You'd rather have simple money-off-the-basket points than juggle miles or portals.
- You also fuel up and pay utilities on the card for the 2% and 1% rates.
Consider skipping it if
- You spend 1,000+ a month at LuLu — the Platinum's 7% rate repays its fees and doubles your points.
- You want lounge access or travel perks — the lounge benefit was discontinued in May 2025.
- Your groceries come from other supermarkets — non-LuLu grocery spend earns a token 0.0875%.
Alternatives to consider
Double the earn — 7% at LuLu, 4% on fuel — plus lounge access and movie perks, for 525 joining and 262.50 a year.
Best grocery cards →
Also free for life at the same 5,000 salary, with up to 20% back in noon credits across noon's platforms.
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
Does the LuLu 247 Titanium card have an annual fee?+
No — the card is free for life, with no joining fee and no annual fee, confirmed on both the card page and the bank's Key Facts Statement.
How many LuLu Points do I earn with the LuLu 247 Titanium card?+
3.5% back as LuLu Points on LuLu in-store and online spends, 2% on fuel, 1% on utility bill payments and 0.35% on other spends. Non-LuLu groceries, insurance, car dealerships, fast food and EU-originated spends earn 25% of the base rate; 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. Redeem 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 is the minimum salary for the LuLu 247 Titanium card?+
AED 5,000 per month — one of the lower entry requirements in Emirates NBD's lineup.
Does the LuLu 247 Titanium card include airport lounge access?+
No. The card page still mentions Mastercard Travel Pass lounge access, but the bank's own footnote states the benefit was discontinued effective 1 May 2025.
Is there a cap on how many points I can earn?+
Yes — earning is capped at 833 LuLu Points per billing cycle under the LuLu rewards programme terms.
What is the welcome offer on this card?+
0% interest on balance transfers with no processing fee. Unlike the Platinum version, there is no LuLu Points welcome bonus.
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.