ADCB LuLu Platinum Credit Card
A 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 at LuLu hypermarkets regularly and spend AED 2,000 or more monthly on groceries.
Not ideal if
You prefer cashback rewards or buy groceries mainly at non-LuLu stores.
Watch out for
The 4.14% foreign exchange markup reduces value on international transactions.
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
Earns 8 points/AED on groceries at LuLu with no monthly cap.
Zero annual fee makes it cost-free to hold and use.
Includes cinema buy-one-get-one and lounge access perks.
Accessible AED 8,000 minimum salary requirement.
Watch out for
Grocery bonus applies only at LuLu, not other supermarkets.
4.14% foreign exchange markup is higher than many competitors.
Modest 0.2 to 0.4 points/AED on utilities, education, and other categories.
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 zero annual fee and no joining fee, so you can hold it at no cost.
How many points do I earn on groceries at LuLu?
You earn 8 points per AED spent on groceries at LuLu hypermarkets, with no monthly cap. Groceries at other stores earn 0.4 points/AED.
What is the minimum salary to apply for this card?
You need a minimum monthly salary of AED 8,000 to be eligible for the ADCB LuLu Platinum Credit Card.
Can I use this card abroad without high fees?
The card charges a 4.14% foreign exchange markup on international transactions, which is higher than many travel-focused cards. You will still earn 0.4 points/AED on international spend.
Does this card earn points on school or university fees?
Yes, education spend earns 0.2 points per AED with no cap, the same rate as utilities.