Emirates NBD LuLu 247 Platinum Credit Card
A co-branded credit card by Emirates NBD earning up to 0.07 points per AED on groceries at LuLu.
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 5,000 to 10,000 monthly with most of it at LuLu hypermarkets.
Not ideal if
You spend heavily on dining, travel, or categories outside groceries and utilities.
Watch out for
AED 525 joining fee and AED 262.50 annual fee are not waivable.
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.
Welcome bonus of up to 500 LuLu Points with spend requirement.
Includes lounge access, cinema buy-one-get-one, and valet parking perks.
Watch out for
AED 525 joining fee and AED 262.50 annual fee with no waiver option.
Weak 0.007 points per AED on all spending outside groceries and utilities.
3.14% foreign exchange markup makes international use costly.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 262.50 annual fee (plus AED 525 joining fee in year one) is not waivable, so you need to shop regularly at LuLu to earn enough points to offset the cost. If you spend AED 5,000 monthly with most of it on groceries, the 0.07 points per AED can justify the fee.
How many LuLu Points do I earn on groceries?
You earn 0.07 LuLu Points per AED spent on groceries at LuLu hypermarkets. Utilities earn 0.02 points per AED, and all other spending earns just 0.007 points per AED.
Can I use this card abroad?
Yes, but the 3.14% foreign exchange markup makes it expensive for international transactions. You are better off using a card with lower FX fees for travel spending.
How does the welcome bonus work?
You receive 250 LuLu Points when you pay the joining fee and make your first transaction, plus another 250 points if you spend at least AED 8,000 within your first two billing statements (60 days).
What perks come with this card?
The card includes lounge access, cinema buy-one-get-one offers, airport transfer, valet parking, and car registration and service pickup and drop services.