LuLu 247 Titanium Credit Card review
The earning structure mirrors the Platinum card at lower rates: 3.5% back at LuLu in-store and online, 2% on fuel, 1% on utility bills and 0.35% on other eligible spend, with reduced rates of 25% or 10% of the base on categories such as groceries, government and education. Earning is capped at 833 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. The card also adds complimentary lounge access via Mastercard Travel Pass and a 0% balance transfer with no processing fees.
With no annual fee and an accessible AED 5,000 salary requirement, it suits LuLu shoppers who want free cashback and a balance transfer option without paying for a premium tier.
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 5,000 |
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| Annual fee | Free for life |
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| Fee waiver | Free with no annual fee |
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| Interest (monthly) | 3.69% |
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| Reward type | LuLu Points |
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| Reward rate | 3.5% back at LuLu in-store and on the webstore, 2% on fuel, 1% on utility bills, and 0.35% on other eligible spendRates run at 3.5% at LuLu, 2% on fuel, 1% on utilities and 0.35% 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 833 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 | 0% interest on balance transfers with no processing feesApplies to balance transfers | No processing fee | Ongoing welcome offer, no stated expiry |
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| Lounge access | Not included - airport lounge access was discontinued effective 1 May 2025 |
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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: 0% interest on balance transfers with no processing fees
Terms: Applies to balance transfers | No processing fee | Ongoing welcome offer, no stated expiry
LuLu 247 Titanium Credit Card benefits
✓3.5% back on LuLu in-store and webstore spending
✓2% back on fuel and 1% on utility bills
✓0% balance transfer with no processing fees
✓LuLu Points worth AED 1 each
✓No annual fee
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 Titanium Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% p.a. |
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| Cash advance fee | 3.15% of cash advance amount or AED 103.95 whichever is higher (max cash advance 50% of card limit) |
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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% currency conversion fee (plus ~1.15% Visa/MC processing) |
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| Minimum payment | 5% of total payment due or AED 100, whichever is higher (plus installments/insurance/overdue/overlimit in full) |
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| Interest-free period | Up to 55 days (25 to 55 days from transaction date) |
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| Card replacement fee | AED 21.00 (all cards other than Go4it) |
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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 shoppers who want a free cashback card paired with a 0% balance transfer.
What works well
- ✓No annual fee
- ✓3.5% back at LuLu stores
- ✓0% balance transfer with no processing fees (per card marketing)
What to weigh up
- −Earn rate is half that of the Platinum version
- −Monthly cap of 833 points
LuLu 247 Titanium Credit Card eligibility
Open to UAE residents aged 21 and over earning at least AED 5,000 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 Titanium Credit Card FAQs
Open to UAE residents aged 21 and over earning at least AED 5,000 a month; an Emirates ID is required
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% back at LuLu in-store and on the webstore, 2% on fuel, 1% on utility bills, and 0.35% on other eligible spend
This card is best for LuLu shoppers who want a free cashback card paired with a 0% balance transfer.
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.
