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 spend heavily on groceries at LuLu and want a no-fee card.
Not ideal if
You spend mostly on dining, travel, fuel, or categories outside groceries and utilities.
Watch out for
3.14% foreign exchange markup erodes value on international or foreign currency transactions.
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.
0.035 points per AED on groceries at LuLu with no cap.
Low AED 5,000 minimum salary requirement for easy eligibility.
Watch out for
Very low 0.0035 points per AED on all non-grocery, non-utility spending.
3.14% foreign exchange markup makes international use expensive.
Limited earning power outside LuLu groceries and utility payments.
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 on earning.
What is the minimum salary required to apply for this card?
You need a minimum monthly salary of AED 5,000 to be eligible for this card.
Can I use this card abroad without high fees?
The card carries a 3.14% foreign exchange markup on international transactions, which is relatively high and will reduce the value of points earned abroad.
What do I earn on spending outside groceries and utilities?
All other spending earns just 0.0035 points per AED, which is a very low baseline rate compared to category-specific earning.