"ADCB Lulu Titanium Credit Card"

ADCB

Min. Salary

AED 5000

Annual Fees

AED 0

Interest Rate

3.69%

FX Rate

2.99%

Benefits

Airport Lounge Access
Balance Transfer
Credit Shield

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

Reward features

  • Earn 3.5 Lulu Points per AED 1 spent at Lulu hypermarkets across UAE.
  • 1 LuluPoints on non-Lulu purchases per AED 1 purchase
  • A minimum of 5,000 Lulu points (worth AED 50) can be redeemed at any Lulu Hypermarket across the UAE.
  • Earn a voucher worth AED 50 for every 5,000 Lulu Points

Features

  • Zero annual fees credit card hence is free for a lifetime 
  • Earn Lulu points on all spends made at Lulu Hypermarkets and other retail purchases. 
  • Get complimentary airport lounge access across global airports.

Additional Benefits

  • 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 access to airport lounges at over 10 selected airports across the globe.
  • 20% discount on talabat grocery or food orders valid once per month
  • Card control feature to set spend limits and control card transactions
  • Set auto-debit option for regular payments from your ADCB Savings or Current account
  • Interest-free balance transfer along with repayment flexibility of up to 48 months
  • Credit shield (optional service) along with a complimentary life cover
  • Credit card loan at low interest rate and repay in easy installments of up to 48 months
  • High-value transactions can be converted into personal payment plan at low interest rates with tenures of up to 12 months
  • FlexiPay feature to repay retail dues in small monthly installments. Low interest and repayment period of up to 48 months.
  • 50% off on Shahid VIP monthly plan for first-time users.
  • Upto 10% discount on merchandise, apparel, and action figures on Geekay’s website.

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

  • Earn 0.4 Lulu points on purchases made in the UK and Europe
  • Earn 0.2 Lulu points for every AED spent on fuel, education, government services, real estate, telecom, charity and transport
  • Earn 0.4 points on purchases at supermarkets, auto dealers, insurance, fast food restaurants
  • Zero interest charges, low processing fees for up to 12 months on converting your child’s school and college fees into installments