ADCB Lulu Platinum Credit Card
The ADCB LuLu Platinum Credit Card is a free-for-life shopping card offering 8% back as LuLu Points at LuLu stores, up to 1.25 LuLu Points per AED 1 on other eligible spending, Reel Cinemas offers and complimentary airport lounge visits.
Overview
- ✓Earn 8 LuLu Points per AED1 spent on LuLu purchases with no minimum spend requirements.
- ✓Earn 0.2 Lulu points for every AED1 spent on fuel, education, government services, real estate, telecommunications, charity, and transport.
- ✓Earn 0.4 Lulu points for every AED1 spent at supermarkets, auto dealers, insurance companies, and quick service restaurants.
- ✓0.4 LuLu Points Purchases in the United Kingdom & Europe (Classification of merchants based in European Economic Area will be as per prevailing MasterCard guidelines.).
- ✓LuLu Points can be redeemed for as low as 5,000 Points and with supplementary cards as well. Every 5,000 LuLu Points are worth AED50.
- ✓Buy one ticket, get one free at REEL Cinemas (up to 2 free tickets can be availed in a month) till 31st December 2026.
- ✓20% discount on food and beverage purchased at the counter on a minimum spend of AED20.
- ✓Enjoy 4 complimentary visits to at 25+ airport lounges worldwide for you and your supplementary cardholders.
- ✓Enjoy complimentary life cover.
- ✓Convert school fees into a 0% Interest Payment Plan.
- ✓FlexiPay-Repay balances in monthly payments.
- ✓Instalments payment plans.
- ✓Transfer your outstanding balances from other bank credit cards.
- ✓Credit Card Loan-Benefit from a zero-interest rate and repay in easy instalments over up to 12 months.
Eligibility
- ✓You should be at least 18 years old
- ✓You need to have a minimum monthly salary of AED8,000 or be eligible for a credit limit of at least AED15,000
Fees & Charges
Top Benefits
Airport Lounge
Complimentary access to selected airport lounges.
Balance Transfer
Benefit available as per bank terms and conditions.
Dining
Dining discounts and restaurant privileges.
Easy Installment Plan
Benefit available as per bank terms and conditions.
Loan on Card
Convert eligible limits into easy installments.
No Annual Fee
Benefit available as per bank terms and conditions.
Documents Required
- ✓Applicants may need to provide:
- ✓Valid Emirates ID
- ✓Passport copy
- ✓UAE residence visa copy, where applicable
- ✓Salary certificate or other proof of income
- ✓Recent bank statements or banking details
Creditcardfinder Score
Score based on Good overall value, moderate salary eligibility, low annual fee, multiple selected benefits. Final approval and card terms remain subject to bank policy.
About Abu Dhabi Commercial Bank
Abu Dhabi Commercial Bank (ADCB) is one of the UAE’s leading banks, offering credit cards, personal loans, mortgages, accounts, wealth management and digital banking services. ADCB credit cards are designed for different lifestyles and income levels, with benefits that may include cashback, TouchPoints rewards, travel privileges, cinema offers and merchant discounts.
FAQs
How can cardholders earn the maximum LuLu Points?
Cardholders earn 8 LuLu Points per AED 1 spent at LuLu stores, with no minimum-spend requirement. Other eligible purchases earn up to 1.25 LuLu Points per AED 1. Selected categories earn adjusted rates, including 0.4 points at supermarkets, insurance companies, car dealers and quick-service restaurants, and 0.2 points on fuel, education, government, telecom, property, charity and transport spending. LuLu purchases continue to earn the full LuLu rate even though LuLu is classified as a supermarket.
How are LuLu Points redeemed, and how much are they worth?
LuLu Points can be redeemed instantly at participating LuLu stores across the UAE by presenting the ADCB LuLu Platinum Credit Card at checkout. Redemption starts from 5,000 LuLu Points, which are worth AED 50, and supplementary cardholders can also redeem points from the card account.
How long do LuLu Points remain valid?
LuLu Points are valid for three years from the last day of the month in which they are earned. Keeping the card account active, current and in good standing helps ensure that earned points remain available for redemption.
How does the complimentary airport lounge benefit work?
Primary and supplementary cardholders can enjoy four complimentary visits to more than 25 participating airport lounges. Each cardholder should register separately through the Mastercard Travel Pass app. The first visit is complimentary, and a non-AED transaction of at least USD 1 activates additional complimentary access for three months. Extra guest visits beyond the available entitlement cost USD 32 each.
How can cardholders maximise the Reel Cinemas and talabat offers?
At Reel Cinemas, cardholders can receive one complimentary ticket when purchasing an eligible ticket, with up to two complimentary tickets per month until 31 December 2026. A 20% food-and-beverage discount is also available at the cinema counter on a minimum spend of AED 20. On talabat, cardholders can receive 20% off one eligible food or grocery order per month by entering the code MASTERCARD, with the discount capped at AED 14.
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