ADCB LuLu Titanium Credit Card
A no-fee points credit card by ADCB earning up to 3.5 points/AED on groceries and 0.4 points/AED on dining.
Free
Up to 3.5 pts/AED
AED 5,000
4.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on groceries at LuLu and want no-fee points earning.
Not ideal if
You prefer cashback or spend mostly on dining, travel, and non-grocery categories.
Watch out for
4.14% FX markup on international transactions reduces value when spending abroad.
Calculate This Card’s Value
Earning Rates
3.5 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, making it cost-free to hold and use.
3.5 points/AED on groceries, ideal for frequent LuLu shoppers.
20% discount on Talabat orders adds everyday dining savings.
Low AED 5,000 minimum salary requirement for easy eligibility.
Watch out for
Weak 0.4 points/AED on dining and international spend compared to competitors.
4.14% FX markup on foreign transactions is higher than many cards.
Points earning heavily favors groceries, limiting value for diverse spenders.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the ADCB LuLu Titanium Credit Card?
No, this card has no annual fee, so you can hold and use it without any ongoing cost.
How many points do I earn on groceries?
You earn 3.5 points per AED spent on groceries, which is the card's strongest earning rate. Other grocery purchases earn 0.4 points/AED.
Can I use this card abroad?
Yes, but the card charges a 4.14% foreign exchange markup on international transactions, which is higher than many competitors. You will earn 0.4 points/AED on international spend.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 5,000 to be eligible for this card.
Does this card earn points on school or university fees?
Yes, education spending earns 0.2 points per AED, though this is a lower rate compared to groceries or dining.