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ADCB LuLu Platinum Credit Card Details Explained

ADCB LuLu Platinum Credit Card Details Explained

If you’re a frequent shopper at LuLu Hypermarket and want to turn your spending into free shopping, the LuLu Platinum Credit Card could be your ideal companion. Let’s delve into the features, rewards, and benefits that come with this credit card.

Lulu Credit Card Details You Should Know

These are the ADCB Lulu Credit Card Specific Requirements:

  • Minimum Salary Requirement:
    • AED 15,000
  • Annual Fee:
    • AED 0
  • Interest Rate:
    • 3.25%
  • Cash Advance Fee:
    • 3.15% (Minimum AED 105)
  • Non-AED Transaction Fee:
    • 2.99%

Top Reasons to Choose ADCB LuLu Platinum Credit Card:

  1. No Annual Fee:
    • Enjoy the perks of the LuLu Platinum Credit Card without any annual fees.
  2. Interest-Free Balance Transfers:
    • Benefit from interest-free balance transfers, managing your finances with flexibility.
  3. Redeem Reward Points at LuLu:
    • Earn reward points that can be instantly redeemed at LuLu Hypermarkets.
  4. Exclusive Benefits at Ferrari World & Yas Waterworld:
    • Avail discounts and benefits at popular attractions in Abu Dhabi.
  5. Lulupoints Redemption with Supplementary Card:
    • Share the benefits as Lulupoints can be redeemed with the supplementary card as well.

Things to Be Aware Of:

  • Minimum Monthly Spend:
    • Maintain a minimum monthly spend of AED 3,500 to maximize your benefits.

Reward Features of Lulu Credit Card:

Earn LuluPoints:

  1. At LuLu Stores:
    • Earn 5 LuluPoints for every AED 1 spent at LuLu Hypermarkets and Al Falah stores in the UAE.
  2. Elsewhere:
    • Earn 1.25 LuluPoints for every AED 1 spent outside LuLu stores, subject to a minimum spend of AED 3,500 per month.
  3. Redemption Vouchers:
    • 5,000 Lulupoints give a voucher worth AED 50.
  4. Instant Redemption:
    • Points can be redeemed instantly at the checkout counters of LuLu Hypermarkets across the UAE.

Joining Offers:

  • Exclusive Benefits at Attractions:
    • Enjoy discounts, 0% interest payment plans, and complimentary services at Ferrari World, Yas Waterworld, and Warner Bros. World Abu Dhabi.
  • Complimentary Lounge Access:
    • Unlimited lounge access at selected airports across the Middle East.
  • Buy 1 Get 1 Offers:
    • Access a multitude of offers with the Mastercard Buy 1 Get 1 App.
  • Careem Chauffeur Offers:
    • Get 20% off on three rides every month.
  • AVIS Car Rental Offers:
    • Avail exclusive benefits with Avis, including up to 15% off and complimentary upgrades.
  • Luxury Serviced Apartment Offers:
    • Enjoy discounts of up to 15% at prime luxury serviced apartments.
  • MyUS Online Shopping Offers:
    • Benefit from discounts and offers when shopping at U.S. retailers.
  • Bicester Village Shopping Collection:
    • VIP invitation with additional discounts on purchases at participating boutiques.
  • Designer Fashion Discounts:
    • Get 10% off selected items on Farfetch with a minimum spend of USD 200.
  • Credit Shield:
    • Optional insurance plan covering your outstanding card balance for up to AED 100,000.
  • Discounts:
    • Enjoy up to 30% off on roundtrip international airfare or hotel bookings on Cleartrip.

Key Features of Lulu Platinum Credit Card

1. Annual Fees:

  • Enjoy the convenience of the LuLu Platinum Credit Card with no annual fees. Shop without worrying about additional charges eating into your savings.

2. Interest Payment Plan:

  • Benefit from a 0% Interest Payment Plan specifically designed for school fee payments. Manage your educational expenses with ease.

3. LuLu Points Earning:

  • Earn LuLu Points every time you use your credit card. The more you spend, the more points you accumulate.
  • Get up to 5 LuLu Points for every AED 1 spent.

4. Reward Redemption:

  • Each 5,000 LuLu Points earned can be redeemed for a voucher worth AED 50. Enjoy free shopping at LuLu Hypermarket as you accumulate points.

5. Complimentary Airport Lounge Access:

  • Experience the luxury of complimentary airport lounge access. Relax and unwind before your flight with this exclusive benefit.

How to Apply for ADCB Lulu Credit Card

Choose the most convenient method to apply for the LuLu Platinum Credit Card:

  1. Online Application:
    • Visit the official LuLu Financial Group website and fill out the online application form.
  2. Contact Centre:
    • Call the 24-hour contact centre at 600 50 8008 to speak with a customer service representative who can guide you through the application process.
  3. SMS Application:
    • Send an SMS with the keyword ‘LULU’ to 2626 from your registered mobile number to initiate the application process.
  4. Branch Visit:
    • Visit any LuLu Financial Group branch to apply in person. Find the closest branch to you for a personalized application experience.

How to Earn ADCB Lulu Credit Card Points?

Let’s explore the key aspects of the LuLuPoints Rewards Programme:

Earning LuLuPoints:

Card Type Breakdown:

  1. Platinum:
    • Rewards at LuLu Stores: 5 LuLuPoints per AED 1 purchase.
    • Rewards elsewhere: 1.25 LuLuPoints per AED 1 purchase.
    • Monthly Spend Goal: AED 5,000 (Discontinued effective 1st Dec 2022).
  2. Titanium/Gold:
    • Rewards at LuLu Stores: 3.5 LuLuPoints per AED 1 purchase.
    • Rewards elsewhere: 1 LuLuPoint per AED 1 purchase.
    • Monthly Spend Goal: AED 3,500 (Discontinued effective 1st Dec 2022).
  3. Standard:
    • Rewards at LuLu Stores: 1.5 LuLuPoints per AED 1 purchase.
    • Rewards elsewhere: 0.5 LuLuPoint per AED 1 purchase.
    • Monthly Spend Goal: AED 1,000.

Additional Information:

  • For every AED 1 spent elsewhere in the UAE and overseas, users earn 0.5 LuLuPoints.
  • Monthly spend goals indicate the amount cardholders need to spend both at LuLu stores and elsewhere to maximize their LuLuPoints.


The LuLu Platinum Credit Card presents an excellent opportunity for individuals who frequent LuLu Hypermarkets. With a generous LuLu Points earning rate, zero annual fees, and exclusive benefits like airport lounge access, this credit card is tailored for those who seek value in their everyday spending. Consider applying today to enjoy the rewards and privileges that come with being a LuLu Platinum Credit Cardholder.

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