ADCB LuLu Platinum Credit Card
A no-fee points credit card by ADCB earning up to 8 points/AED on groceries at LuLu and 0.4 points/AED on dining and international spend.
Free
Up to 8 pts/AED
AED 8,000
4.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You shop frequently at LuLu hypermarkets and earn at least AED 8,000 monthly.
Not ideal if
You rarely shop at LuLu or prefer cashback rewards over points.
Watch out for
4.14% foreign exchange markup reduces value on international transactions despite points earning.
Calculate This Card’s Value
Earning Rates
8 pts/AED
0.2 pts/AED
0.2 pts/AED
0.4 pts/AED
0.4 pts/AED
0.4 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
No annual fee makes the card cost-free to hold.
8 points/AED on groceries at LuLu hypermarkets with no cap.
Cinema buy-one-get-one-free and lounge access perks included.
Watch out for
Requires minimum salary of AED 8,000 to qualify.
Low 0.2 points/AED on utilities and education spending.
4.14% foreign exchange markup on international transactions.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the ADCB LuLu Platinum Credit Card?
No, this card has no annual fee, making it free to hold and use.
How many points do I earn on LuLu groceries?
You earn 8 points per AED spent on groceries at LuLu hypermarkets, with no monthly cap.
What is the minimum salary required to apply?
You need a minimum monthly salary of AED 8,000 to be eligible for this card.
Can I use this card abroad?
Yes, you can use it internationally and earn 0.4 points/AED. However, a 4.14% foreign exchange markup applies to all foreign currency transactions.
Does this card earn points on school or university fees?
Yes, education spending earns 0.2 points per AED with no cap.