Lulu Titanium Credit Card review
The card earns 3.5 LuLu Points per AED at LuLu Hypermarkets and up to 1 point per AED on everything else, though ADCB pays reduced rates by category: 0.2 points per AED on fuel, education, government services, real estate, telecom, charity and transport, and 0.4 points at other supermarkets, fast-food outlets, auto dealers, insurers and on purchases in the UK and Europe. As with its Platinum sibling, 5,000 points convert to an AED 50 voucher at roughly AED 0.01 per point, redeemable instantly at the checkout with no blackout days.
Even at this entry tier the card carries no annual fee and still offers access to more than 10 airport lounges worldwide alongside discounts at over 1,400 UAE restaurants.
With its lower salary requirement, the Lulu Titanium suits budget-conscious LuLu shoppers who want to earn on groceries without paying an annual fee, accepting a lower earn rate than the Platinum version.
Card details
| Bank | ADCB |
|---|
| Card type | Rewards |
|---|
| Co-brand | Lulu |
|---|
| Cinema | Not listed |
|---|
| Minimum salary | AED 5,000 |
|---|
| Annual fee | Free for life |
|---|
| Fee waiver | Free for life |
|---|
| Reward type | LuLu Points |
|---|
| Reward rate | 3.5 LuLu Points per AED at LuLu Hypermarkets; up to 1 LuLu Point per AED on all other spendsReduced rates apply outside LuLu: 0.2 points per AED on fuel, education, government services, real estate, telecom, charity and transport; 0.4 points per AED at other supermarkets, auto dealers, insurers and fast-food outlets, and on purchases in the UK and Europe 5,000 LuLu Points equal an AED 50 discount voucher (approximately AED 0.01 per point). Redeem instantly at LuLu Hypermarket checkout with no blackout days for redemption |
|---|
| Welcome bonus | Welcome bonus of up to AED 500 as LuLu Points for digital applications |
|---|
| Lounge access | Unlimited access to over 10 Mastercard airport lounges for primary and supplementary cardholders (per third-party source; ADCB notes activation or registration may be required) |
|---|
| Quick cash | Credit card loan available |
|---|
| Balance transfer | Card loan available |
|---|
| Instalment plan | 0% interest plans available |
|---|
Welcome bonus: Welcome bonus of up to AED 500 as LuLu Points for digital applications
Lulu Titanium Credit Card benefits
✓3.5 LuLu Points per AED at LuLu Hypermarkets
✓Up to 1 LuLu Point per AED on all other spends
✓Free for life
✓Access to 10+ airport lounges worldwide
✓No blackout days for redemption
✓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 Titanium Credit Card fees & charges
| Interest (monthly) | 3.69% |
|---|
| Annual percentage rate (APR) | 44.28% |
|---|
| Cash advance fee | 3.15% or AED 105 (whichever is higher) |
|---|
| Late payment fee | AED 241.50 |
|---|
| Over-limit fee | AED 288.75 |
|---|
| Foreign currency fee | 2.99% (Foreign Currency transaction margin, non-AED currency) plus approx 1.15% Visa/MC processing fee |
|---|
| Minimum payment | 5% or AED 100 whichever is higher |
|---|
| Interest-free period | 25 to 55 days |
|---|
| Card replacement fee | AED 78.75 |
|---|
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 lower-income LuLu shoppers who want a free-for-life grocery rewards card.
What works well
- ✓Free for life with a low AED 5,000 salary requirement
- ✓Every spend category earns LuLu Points, with instant redemption
- ✓Includes some airport lounge access
What to weigh up
- −Lower earn rate than the Lulu Platinum (3.5 versus 8 points per AED)
- −Points are only usable as LuLu vouchers
- −Fuel, education and government spends earn just 0.2 points per AED
Lulu Titanium Credit Card eligibility
Open to those earning a minimum salary of AED 5,000, or meeting a minimum credit limit eligibility of AED 3,000
▤Emirates ID▤Passport with residence visa▤Salary certificate▤Bank statements (3-6 months)
Lulu Titanium Credit Card FAQs
Open to those earning a minimum salary of AED 5,000, or meeting a minimum credit limit eligibility of AED 3,000
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
3.5 LuLu Points per AED at LuLu Hypermarkets; up to 1 LuLu Point per AED on all other spends
It suits lower-income LuLu shoppers who want a free-for-life grocery 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.
