Retail
Abu Dhabi Commercial Bank
ADCB LuLu Titanium Credit Card
The ADCB LuLu Titanium Credit Card is a retail credit card from Abu Dhabi Commercial Bank. It has no annual fee, and needs a minimum salary of AED 5,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
LuLu Points
Material
Plastic
Card highlights
- Earn 3.5 LuLu Points per AED 1 at LuLu Hypermarket (3.5% back)
- Complimentary airport lounge access via Mastercard
- 20% off talabat grocery or food orders once a month (capped at AED 14)
- 0% interest payment plan on school fees
Earn rates
| Category | Rate |
|---|---|
| Supermarket | 3.5% |
| Travel | 1% |
| Retail | 1% |
| Dining & food | 1% |
| Online shopping | 1% |
| International spend | 1% |
| Fuel | 0.2% |
| Utilities | 0.2% |
| Education | 0.2% |
| Transport | 0.2% |
| Real estate | 0.2% |
UK and EEA merchants earn 0.4 LuLu Points per AED (0.4%) instead of up to 1. EEA classification per prevailing Mastercard guidelines.
Benefits & perks
- •Complimentary airport lounge access
- •20% off talabat grocery or food orders once a month (capped at AED 14)
- •0% interest instalment plan on school fees
- •Mastercard benefits
About this card
- •LuLu Points value: AED 0.01 per point (every 5,000 points = AED 50, per ADCB's published rate)
- •Redemption at LuLu store checkouts in the UAE only
- •Minimum redemption is 5,000 points, then in multiples of 100 points with no maximum
- •Points expire 3 years from the last day of the month in which they were earned
Every card is checked against official bank sources. Last updated September 2026.
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ADCB LuLu Platinum Credit Card
- Earn 8 LuLu Points per AED 1 at LuLu (8% back), up to 1.25 per AED on general spend
- 4 complimentary airport lounge visits a year at 25+ lounges worldwide via Mastercard Travel Pass
No annual feeView card
Updated September 2026