Retail
EmiratesNBD
LuLu 247 Titanium Credit Card
The LuLu 247 Titanium Credit Card is a retail credit card from EmiratesNBD. 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 247 Points
Material
Plastic
Card highlights
- Earn 3.5% back at LuLu (in-store & online), 2% on fuel in LuLu 247 Points
- Points redeem 1:1 (AED) at 70+ LuLu outlets, added instantly, never expire
- Priority checkout, early sale access and free shipping on LuLu online (min AED 300)
Earn rates
| Category | Rate |
|---|---|
| Supermarket | 3.5% |
| Fuel | 2% |
| Utilities | 1% |
| Travel | 0.35% |
| Retail | 0.35% |
| Dining & food | 0.35% |
| Transport | 0.35% |
| Online shopping | 0.35% |
| International spend | 0.35% |
| Education | 0.04% |
| Real estate | 0.04% |
Rewards on this card are capped at AED 833 a month across all categories (about AED 9,996 a year).
Spend in the European Economic Area and the UK earns less on this card: about 0.09% back, against 0.35% on other international spend.
Current welcome offer
0% interest balance transfer with no processing fee
- Available over 6 or 12 months
- Minimum transfer amount AED 1,000
Benefits & perks
- •Priority checkout at LuLu stores
- •Early access to LuLu sales and promotions
- •Free shipping on LuLu online orders (minimum AED 300 spend)
- •Monthly discounts and exclusive offers at LuLu
- •Apple Pay, Google Pay and Samsung Wallet support
About this card
- •LuLu member perks (priority checkout, early sale access, free online shipping, monthly discounts): ~AED 100 per year
- •No airport lounge access on this card (discontinued 1 May 2025)
- •No concierge or valet parking on this tier
Every card is checked against official bank sources. Last updated September 2026.
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More from EmiratesNBD
RetailWelcome offer
Emirates NBD LuLu 247 Platinum Credit Card
- Earn 7% back at LuLu (in-store & online), 4% on fuel as LuLu 247 Points
- Unlimited airport lounge access via Mastercard Travel Pass (1,000+ lounges, 300+ cities), unlocked by 1 foreign-currency transaction per 3 months
AED 262.50/yrView card
Updated September 2026