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 shop regularly at LuLu Hypermarket and want no-fee points on groceries.
Not ideal if
You prefer cashback rewards or rarely shop at LuLu for groceries.
Watch out for
Points redemption value and process may limit practical benefit of earning.
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
Key Strengths and Weaknesses
Strengths
No annual fee makes it cost-free to hold and use.
Earns 3.5 points per AED on groceries at LuLu Hypermarket.
Accessible with AED 5,000 minimum salary requirement.
Earns 0.4 points per AED on dining and international purchases.
Watch out for
4.14% foreign exchange markup reduces value on international spend.
Points redemption value and process may be less transparent than cashback.
Weak earning on categories outside groceries, dining, and international.
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, making it a cost-free option for earning points on everyday spending.
How many points do I earn on groceries?
You earn 3.5 points per AED on groceries at LuLu Hypermarket, and 0.4 points per AED on other grocery purchases.
Can I use this card abroad?
Yes, the card earns 0.4 points per AED on international purchases, but carries a 4.14% foreign exchange markup.
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, it earns 0.2 points per AED on education spending, including school and university fees.