Lulu Platinum Credit Card review
The earning rate is the main event: 8 LuLu Points per AED spent at LuLu Hypermarkets and up to 1.25 points per AED everywhere else, with no minimum spend to start earning (per third-party source). At roughly AED 0.01 per point, 5,000 points convert to an AED 50 discount voucher that you can redeem instantly at the checkout with no blackout days.
Despite carrying no annual fee, the card includes unlimited access to more than 25 airport lounges worldwide, buy-one-get-one movie tickets and dining discounts at over 1,400 UAE restaurants, making it more than a simple grocery card.
The Lulu Platinum is best for families who do their main shopping at LuLu and are happy to redeem rewards as store vouchers rather than cash.
Card details
| Bank | ADCB |
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| Card type | Rewards |
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| Card network | Mastercard |
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| Co-brand | Lulu |
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| Minimum salary | AED 8,000 |
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| Annual fee | Free for life |
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| Fee waiver | Free for life |
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| Interest (monthly) | 3.69% |
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| Reward type | LuLu Points |
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| Reward rate | 8 LuLu Points per AED at LuLu Hypermarkets; up to 1.25 LuLu Points per AED on all other spendsNo minimum spend is required to earn LuLu Points (per third-party source) 5,000 LuLu Points equal an AED 50 discount voucher (approximately AED 0.01 per point). Redeem instantly at LuLu Hypermarket checkout counters with no blackout days |
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| Welcome bonus | Welcome bonus of up to AED 500 as LuLu Points for digital applications |
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| Lounge access | 4 complimentary visits per year to 25+ airport lounges worldwide for primary and supplementary cardholders |
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| Quick cash | Credit card loan available |
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| Balance transfer | Card loan available |
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| Instalment plan | 0% interest plans available |
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Welcome bonus: Welcome bonus of up to AED 500 as LuLu Points for digital applications
Lulu Platinum Credit Card benefits
✓8 LuLu Points per AED at LuLu Hypermarkets
✓Up to 1.25 LuLu Points per AED on all other spends
✓Free for life
✓Unlimited access to 25+ airport lounges worldwide
✓Buy-one-get-one free movie tickets
✓Instant redemption at LuLu checkout
✓Discounts at 1,400+ UAE restaurants
Offers and payment options
Quick cashCredit card loan available
Balance transferCard loan available
Instalment plan0% interest plans available
Lulu Platinum Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% |
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| Cash advance fee | 3.15% or AED 105 (whichever is higher) |
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| Late payment fee | AED 241.50 |
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| Over-limit fee | AED 288.75 |
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| Foreign currency fee | 2.99% (Foreign Currency transaction margin, non-AED currency) plus approx 1.15% Visa/MC processing fee |
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| Minimum payment | 5% or AED 100 whichever is higher |
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| Interest-free period | 25 to 55 days |
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| Card replacement fee | AED 78.75 |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
It suits families who shop regularly at LuLu Hypermarkets and want a free-for-life rewards card.
What works well
- ✓High LuLu return of 8 points per AED (around 8% in-store)
- ✓Free for life with lounge access
- ✓Instant point redemption with no blackout days
What to weigh up
- −The high earn rate is limited to LuLu Hypermarkets
- −Points are only redeemable as LuLu vouchers
Lulu Platinum Credit Card eligibility
Open to those earning a minimum salary of AED 8,000, or meeting a minimum credit limit eligibility of AED 15,000
▤Emirates ID▤Passport with residence visa▤Salary certificate▤Bank statements (3-6 months)
Lulu Platinum Credit Card FAQs
Open to those earning a minimum salary of AED 8,000, or meeting a minimum credit limit eligibility of AED 15,000
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
8 LuLu Points per AED at LuLu Hypermarkets; up to 1.25 LuLu Points per AED on all other spends
It suits families who shop regularly at LuLu Hypermarkets and want a free-for-life rewards card.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
