"ADCB Lulu Platinum Credit Card"

ADCB

Min. Salary

AED 8000

Annual Fees

AED 0

Interest Rate

3.69%

FX Rate

2.99%

Benefits

Airport Lounge Access
Balance Transfer
Credit Shield

ADCB Lulu Platinum Credit Card is a shopping credit card that offers LuluPoints, which can be redeemed at any LuLu store across the UAE. The credit card also offers travel, lifestyle, and entertainment benefits

Reward features

  • Up to 1.25 Lulu Points per AED 1 spent on all retail purchases including fuel purchases, government services, telecommunications, charity, supermarkets, auto dealers, insurance companies, and small restaurants, and transport.
  • Up to 15% discount and free home delivery on Wednesday at luluhypermarket.com or on the LuLu App UAE. Discount capped at AED 50 for a minimum spend of AED 100.
  • Complimentary unlimited global access at 20+ airport lounges with other benefits and privileges

Features

  • Zero annual fees credit card hence is free for a lifetime 
  • Up to 8 LuluPoints or 8%  back as Lulu points per AED 1 spent at Lulu stores. No minimum spend required to get the points. 
  • A minimum of 5,000 Lulu points (worth AED 50) can be redeemed at any Lulu stores across the UAE. 
  • Avail 1+1 movie ticket offer at Reel Cinemas. Offer valid for up to 2 free tickets per month. 

Additional Benefits

  • 20% discount on food and beverage counters at REEL Cinemas on a minimum spend of AED 20
  • 20% discount on talabat grocery or food orders valid once per month 
  • Get a 10% discount on selected brands on Farfetch. Use promo code MCFF at checkout to avail of the discount. 
  • Credit shield service, which covers credit card outstanding balance against emergencies such as critical illness and involuntary loss of employment
  • Card control feature to set spend limits and control card transactions
  • Cash against available credit limit is available at low interest rate and repayable in easy installments of up to 48 months
  • Interest-free balance transfer along with repayment flexibility of up to 24 months
  • Zero interest charges, low processing fees for up to 12 months on converting your child’s school and college fees into installments

Fees & Charges

  • Supplementary Card Annual Fee: Nil
  • Late Payment Fee: AED 241.50
  • Over limit Fee: AED 288.75
  • Cash Advance Fee: 3.15% or AED 105 (whichever is higher)

Addition Information

  • A maximum of 55 interest-free days
  • Earn 0.4 Lulu points on purchases made in the UK and Europe