LuLu 247 Platinum Credit Card review
The earning structure is built around household essentials: 7% back at LuLu in-store and online, 4% on fuel, 2% on utility bills and 0.7% on other eligible spend. Reduced rates of 25% or 10% of the base apply to categories such as groceries, insurance, government and education, and earning is capped at 1,667 LuLu Points per billing cycle or your card limit if lower.
Each LuLu Point is worth AED 1 and can be redeemed 24 hours after spending at LuLu terminals across the UAE. Beyond cashback, the card adds buy-one-get-one movie tickets and complimentary lounge access through Mastercard Travel Pass, with a welcome offer that follows the current campaign.
With a AED 12,000 salary requirement, it makes the most sense for regular LuLu shoppers who also want to capture fuel and utility rewards.
Card details
| Bank | Emirates NBD |
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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 12,000 |
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| Annual fee | AED 262.50 |
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| Fee waiver | Annual fee of AED 262.50 |
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| Joining fee (one-time) | AED 525 |
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| Interest (monthly) | 3.49% |
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| Reward type | LuLu Points |
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| Reward rate | 7% back at LuLu in-store and on the webstore, 4% on fuel, 2% on utility bills, and 0.7% on other eligible spendRates run at 7% at LuLu, 4% on fuel, 2% on utilities and 0.7% elsewhere; grocery, supermarket, insurance, fast-food, car dealer and EU-UK spends earn 25% of the base, while government, education and real estate earn 10% of the base Up to 1,667 LuLu Points per billing cycle, or your card limit if that is lower Each LuLu Point equals AED 1 and can be redeemed 24 hours after spending at LuLu point-of-sale terminals across the UAE; grocery, supermarket, insurance, fast-food, car dealer and EU-UK spends earn 25% of the base rate, while government, education and real estate spends earn 10% of the base rate; a 1.99% foreign currency transaction fee applies |
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| Welcome bonus | 500 LuLu Points welcome bonus plus 0% interest on balance transfers with no processing feesUp to 500 welcome bonus LuLu Points | 0% interest on balance transfers with no processing fees |
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| Lounge access | Complimentary airport lounge access through Mastercard Travel Pass, plus buy-one-get-one on movies and concierge services |
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| Quick cash | Draw a cash advance of up to 50% of your credit limit (fee of 3.15% of the amount or AED 103.95, whichever is higher); Loan on Card and Advance Loan on Card (ALOC) options are also available upto 90% and you can make payments in installment. Wheather interest rate or only processing fees depends on bank offer. |
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| Balance transfer | Balance transfers on standard Emirates NBD terms, either 0% with a processing fee or interest-bearing |
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| Instalment plan | 0% and interest-bearing Easy Payment Plans (EPP) are offered; the 0% IPP carries a processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month); early settlement fee 1.05% |
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Welcome bonus: 500 LuLu Points welcome bonus plus 0% interest on balance transfers with no processing fees
Terms: Up to 500 welcome bonus LuLu Points | 0% interest on balance transfers with no processing fees
LuLu 247 Platinum Credit Card benefits
✓7% back on LuLu in-store and webstore spending
✓4% back on fuel and 2% on utility bills
✓Buy-one-get-one movie benefits
✓Complimentary lounge access via Mastercard Travel Pass
✓LuLu Points worth AED 1 each
✓Welcome offer per the current campaign
Offers and payment options
Quick cashDraw a cash advance of up to 50% of your credit limit (fee of 3.15% of the amount or AED 103.95, whichever is higher); Loan on Card and Advance Loan on Card (ALOC) options are also available upto 90% and you can make payments in installment. Wheather interest rate or only processing fees depends on bank offer.
Balance transferBalance transfers on standard Emirates NBD terms, either 0% with a processing fee or interest-bearing
Instalment plan0% and interest-bearing Easy Payment Plans (EPP) are offered; the 0% IPP carries a processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month); early settlement fee 1.05%
LuLu 247 Platinum Credit Card fees & charges
| Annual percentage rate (APR) | 41.88% p.a. |
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| Cash advance fee | 3.15% of cash advance amount or AED 103.95 whichever is higher |
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| Late payment fee | AED 241.50 per month |
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| Over-limit fee | AED 292.95 per month |
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| Foreign currency fee | 1.99% of transaction amount (plus approx 1.15% Visa/Mastercard processing) |
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| Minimum payment | 5% of current balance outstanding or AED 100, whichever is higher, plus any installments/insurance/overdue/overlimit in full |
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| Interest-free period | Up to 55 days for Retail Purchases |
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| Card replacement fee | AED 21.00 (AED 52.50 for Go4it cards) |
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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?
This card is best for LuLu Hypermarket shoppers who want strong cashback on groceries, fuel and utilities.
What works well
- ✓7% back at LuLu stores
- ✓4% on fuel and 2% on utilities
- ✓Buy-one-get-one movies plus lounge access
What to weigh up
- −Monthly cap of 1,667 points
- −Only 0.7% back on general spend outside bonus categories
LuLu 247 Platinum Credit Card eligibility
Open to UAE residents aged 21 and over earning at least AED 12,000 a month; an Emirates ID is required
▤Emirates ID▤Passport▤Salary certificate or last 3 months payslips▤bank statements (last 3-6 months) may be required
LuLu 247 Platinum Credit Card FAQs
Open to UAE residents aged 21 and over earning at least AED 12,000 a month; an Emirates ID is required
The listed annual fee is AED 262.50. Annual fee of AED 262.50
7% back at LuLu in-store and on the webstore, 4% on fuel, 2% on utility bills, and 0.7% on other eligible spend
This card is best for LuLu Hypermarket shoppers who want strong cashback on groceries, fuel and utilities.
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.
