Just present your ADCB LuLu Credit Card at the checkout counters in LuLu Hypermarkets and your points can be redeemed instantly.

LuLuPoints can be redeemed for as low as 5,000 Points and with supplementary cards as well.

Travel with your ADCB LuLu Titanium Credit Card and enjoy a richer experience than before.

As a Titanium Mastercard cardholder, you enjoy unlimited access at 10+ Mastercard airport lounges globally. Click here to check the lounges covered.

For online primary and supplementary card registration and for the latest updated list of lounges, visit

Effective 1st Jan 2023 Airport lounge access based on showing your physical Mastercard or PriorityPass will be discontinued and access is now digital. Please click here for more details.

To view the latest updated list of lounges, click here.

Choose from hundreds of great offers throughout Middle East & Africa across fine dining establishments, premium spas, and more when paying with your ADCB LuLu Credit Card.

• Free 60-minute spa treatment when a 60-minute treatments is purchased
• Free entrée when one entrée is purchased
• Free main course when one meal course is purchased

Download the Mastercard Buy 1 Get 1 from the App Store or Google Play Store and register with your card details to get access to over 900 unlimited usage offers.

Get 20% off grocery or food orders twice a month on Talabat

How it works:

• Add your MasterCard card on the Talabat app or Download Talabat app from the App Store or Google Play Store.
• Simply enter promo MASTERCARD at checkout to enable up to 20% discount, on two orders on grocery or food delivery.

Terms and Conditions:

• Offer is valid from 1st November 2021 onwards.
• 20% discount will apply once users insert code MASTERCARD in promo code field at checkout in order to avail the discount.
• 20% discount capped at AED 14.

• Set daily spend limits
• Set monthly spend limits
• Block all transactions
• Block online transactions
• Block in-store transactions
• Block foreign transactions
• Block ATM cash withdrawals

• Login to the ADCB Mobile App
• Click on ‘My Accounts’ and then ‘Credit Cards’
• If you have more than one card, select the credit card you would like to control
• Scroll down and click on 'Card Control Settings'

Your ADCB LuLu Titanium Credit Card gives you a maximum of 55 interest-free days, provided you continue to pay your outstanding balance in full, by the due date.

ADCB gives you the convenience to pay as little as 5% of your outstanding balance each month, and carry the balance forward to the next billing cycle. You can make payments for your card’s outstanding amount through any of our convenient channels:

• Personal Internet Banking: Click on the “Credit Card Payment” option under the “Credit Card” menu
• Mobile Banking App: Select which Credit you wish to make payment for and choose “Manage your Credit Cards” tab
• Branches and Cash Deposit Machines: You can also pay through any of our branches and Cash Deposit Machines

You can also set-up Auto Debit instructions to make payments from your ADCB Savings or Current account. To activate Auto Debit, please call 600 50 2030 or visit the nearest ADCB branch.

Alternatively, you can make payments at Al Ansari Exchange or at LuLu Exchange branches. A nominal transaction fee of AED 5 per payment transaction will be charged for bill payments through partner payment locations, such as exchange houses.

Available within 90 days of card registration, plus you have the flexibility to repay over up to 24 months.

Credit Shield is an optional service which covers your credit card outstanding balance against any emergencies. A nominal charge is billed on a monthly basis and applicable for Accidental Death, Total & Permanent Disablement due to Accident/Sickness, Critical Illness and Involuntary Loss of Employment (ILOE) cover. Complimentary (Free) life cover including Natural death and Top-Up life is included when applying for Credit Shield.

To apply, call us or SMS ‘SHIELD’ to 2626 for a callback. For detailed information, please visit www.adcb.com/shield. 

Need cash against your available credit limit? Benefit from low interest rate and repay in easy installments of up to 48 months. Simply call us or SMS ‘CCL’ to 2626 and the money will be transferred to your account within 2 working days. This is subject to terms and conditions and bank approval.

Save on interest expenses by transferring your outstanding balances from other bank credit cards to an ADCB Credit Card. You can also enjoy the flexibility of low interest rate and repay in easy installments of up to 48 months. Simply call us or SMS ‘BT’ to 2626 for a callback. This is subject to terms and conditions and bank approval.

Beat the stress of paying back any of your high value purchases by converting transactions into personal payment plan at low interest rates with tenures of up to 48 months. Simply call us or SMS ‘PPP’ to 2626 for a callback. Shop at our wide range of partners and pay back in instalments with zero interest charges and low processing fees for up to 12 months. Simply call us or SMS ‘PPP’ to 2626 for a callback. For detailed list of participating partners, visit www.adcb.com/offers

Does it feel like your child’s school fees are increasing? With your ADCB Credit Card you can convert your child’s school and college fees into installments with zero interest charges and low processing fees for up to 12 months. Simply call us or SMS ‘SCHOOL’ to 2626 for a callback

Pay your credit card retail balance in small affordable monthly payments with FlexiPay. Low interest rates, zero documentation and repayment period up to 48 months. SMS FLEXIPAY to 2626 for a call back or apply through Personal Internet Banking. Visit www.adcb.com/flexipay for more details.