Emirates NBD LuLu 247 Titanium Credit Card
A no-fee credit card by Emirates NBD earning up to 0.035 points per AED on groceries at LuLu.
Free
Up to 0.035 pts/AED
AED 5,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You shop frequently at LuLu and spend AED 3,000 or more monthly on groceries.
Not ideal if
You prefer cashback or spend heavily on dining, travel, or fuel instead of groceries.
Watch out for
3.14% foreign exchange markup makes this card expensive for international or online foreign currency purchases.
Calculate This Card’s Value
Earning Rates
0.035 pts/AED
0.01 pts/AED
0.0035 pts/AED
Key Strengths and Weaknesses
Strengths
No annual fee, making it cost-free to hold and use.
Earns 0.035 points per AED on groceries at LuLu hypermarkets.
Low AED 5,000 minimum salary requirement for easy eligibility.
Small earn rate on utilities helps capture recurring bill payments.
Watch out for
Very low 0.0035 points per AED on all non-grocery, non-utility spending.
3.14% FX markup makes foreign currency transactions costly.
No bonus categories for dining, travel, fuel, or entertainment spending.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the Emirates NBD LuLu 247 Titanium Credit Card?
No, this card has no annual fee, so you can hold and use it without any yearly cost.
How many points do I earn on groceries at LuLu?
You earn 0.035 points per AED spent on groceries at LuLu hypermarkets, with no monthly cap.
Can I use this card abroad or for online shopping in foreign currency?
Yes, but the 3.14% foreign exchange markup makes it expensive for international or foreign currency transactions. Consider a card with lower FX fees for travel or overseas purchases.
What is the minimum salary required to apply?
You need a minimum monthly salary of AED 5,000 to be eligible for this card.
Do I earn points on spending outside of groceries and utilities?
Yes, but the rate is very low at 0.0035 points per AED on all other spending, so rewards on dining, travel, and fuel will be minimal.