ADCB LuLu Titanium Credit Card
Turn spending into free shopping at LuLu Hypermarket with the ADCB LuLu Credit Card. Every time you use your card, you’ll earn LuLuPoints that you can use to shop at any LuLu Hypermarket across the UAE.
Overview
- ✓Earn 3.5 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.
- ✓Get 20% off grocery or food orders once a month on talabat.
- ✓Convert school fees into a 0% Interest Payment Plan.
- ✓Enjoy complimentary life cover.
- ✓Repay retail balances in monthly payments.
- ✓Credit card loan-Benefit from a zero interest rate and repay in easy installments of up to 12 months.
- ✓Transfer your outstanding balances from other bank credit cards.
Eligibility
- ✓You should be at least 18 years old
- ✓You need to have a minimum salary of AED5,000 or be eligible for a credit limit of at least AED3,000
Fees & Charges
Top Benefits
Cash Advance
Benefit available as per bank terms and conditions.
Credit Shield
Benefit available as per bank terms and conditions.
Free For Life
Benefit available as per bank terms and conditions.
Loan on Card
Convert eligible limits into easy installments.
Lulu Points
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, accessible 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
Is the ADCB LuLu Titanium Credit Card free for life?
Yes, the ADCB LuLu Titanium Credit Card comes with no annual fee, making it a good option for users who want LuLu shopping rewards without paying a yearly card fee. It is especially useful if you regularly shop at LuLu Hypermarket and want to earn LuLuPoints on everyday spending.
How many LuLuPoints can I earn with the ADCB LuLu Titanium Credit Card?
The card offers up to 3.5 LuLuPoints per AED 1 spent at LuLu purchases. You can also earn LuLuPoints on eligible non-LuLu spends, but the earning rate may be lower depending on the purchase category. To get the best value from this card, use it mainly for LuLu shopping and check the eligible spend categories before planning large payments.
How can I redeem LuLuPoints earned on this card?
LuLuPoints can be redeemed directly at LuLu Hypermarket checkout counters in the UAE. You can start redeeming once you have at least 5,000 LuLuPoints. This makes the reward system simple because you do not need to wait for complicated voucher requests or online conversions.
What is the minimum salary required for the ADCB LuLu Titanium Credit Card?
To apply for the ADCB LuLu Titanium Credit Card, you generally need a minimum salary of AED 5,000 or must be eligible for a credit limit of at least AED 3,000. Approval is still subject to ADCB’s internal checks, including income, documents, credit history and other eligibility criteria.
What should I know before using the ADCB LuLu Titanium Credit Card for rewards?
This card works best when used for LuLu purchases because that is where the strongest value is usually available. Some categories such as fuel, education, government services, telecom, insurance, supermarkets outside LuLu and similar spends may earn lower LuLuPoints. LuLuPoints also have an expiry period, so it is better to redeem them regularly once you reach the minimum redemption level.
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