Emirates NBD LuLu 247 Platinum Credit Card
A grocery-focused credit card by Emirates NBD earning 0.07 points per AED at LuLu and 0.02 points per AED on utilities.
AED 262.50
Up to 0.07 pts/AED
AED 12,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 3,000 or more monthly on groceries at LuLu hypermarkets.
Not ideal if
You spend heavily on dining, travel, or shop mainly outside LuLu stores.
Watch out for
Non-waivable AED 525 joining fee and AED 262.50 annual fee every year.
Calculate This Card’s Value
Earning Rates
0.07 pts/AED
0.02 pts/AED
0.007 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 0.07 points per AED on groceries at LuLu hypermarkets with no cap.
Includes lounge access, cinema BOGO, airport transfer, and valet parking perks.
Earns 0.02 points per AED on utilities like DEWA and Etisalat bills.
Watch out for
AED 525 joining fee and AED 262.50 annual fee are not waivable.
Very low 0.007 points per AED on all other spends outside groceries and utilities.
3.14% foreign exchange markup makes international spending costly.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it for this card?
It depends on your LuLu grocery spending. If you spend AED 3,000 or more monthly at LuLu, the 0.07 points per AED rate can offset the AED 262.50 annual fee and AED 525 joining fee over time. If you shop elsewhere or spend less, the fees will likely exceed your rewards.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 12,000 to qualify for the Emirates NBD LuLu 247 Platinum Credit Card.
How does the welcome bonus work?
You earn 250 LuLu Points when you pay the joining fee and make your first transaction, plus another 250 LuLu Points if you spend at least AED 8,000 within your first two billing statements, for a total of 500 points.
Can I use this card abroad?
Yes, but the 3.14% foreign exchange markup makes international spending expensive. You will also earn only 0.007 points per AED on foreign transactions, which is very low.
Do I earn points on utility bills?
Yes, you earn 0.02 points per AED on utility payments such as DEWA, Etisalat, and other eligible billers with no cap.