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Credit Cards Lulu Titanium Card


Shop, earn, redeem!

Turn spending into free shopping at LuLu Hypermarket with the LuLu Credit Card. Every time you use your card, you’ll earn LuLuPoints that you can use to shop at any LuLu Hypermarket across the UAE.

Annual fees
0 %
Interest Payment Plan
On school fee payment
3.5 Up to
Lulu points
per AED 1 purchase

Keep in mind

  • Each 5,000 LuLu points gives voucher worth AED 50.
  • Enjoy complimentary airport lounge access with LuLu Titanium credit card.
  • Revised LuLu points earn rate are effective from 25 October 2020. For more details please click here.


Your ADCB Lulu Titanium / Gold Credit Card is now more rewarding than ever before. You will now earn a higher rate of LuLuPoints on your non LuLu purchases while you continue to earn up to 3.5 LuLuPoints as rewards for your purchases at LuLu stores:

Rewards at LuLu
(per AED 1 purchase)

Rewards elsewhere
(per AED 1 purchase)

Monthly spends goal (LuLu & elsewhere)

3.5 LuluPoints

Up to 1 LuluPoint

AED 3,500

If your total purchases on the card are less than the spend goal stated above all you purchases will still earn rewards at 1 LuLuPoints.

Revised LuLu points earn rate on retail purchases

A) Revised Lulupoints earn rate on in-country purchases at select merchant categories

All retail purchases made at UAE based merchants in the following categories will earn Lulupoints at revised earn rates:

Merchant categories Lulupoints per AED 1 purchase
Fuel, Education, Government Service, Real Estate, Telecommunication, Charity, Transport 0.2 point
Supermarkets, Auto Dealer, Insurance, Quick Service Restaurants (i.e. fast food restaurants) 0.4 point

Classification of merchants in the abovementioned categories will be as per prevailing MasterCard guidelines. Purchases at LuLu outlets are exempt from the revised earn rates for supermarket category.

B) Revised Lulupoints earn rate on purchases at merchants based in Europe

All retail purchases made at merchants based in Europe (i.e. countries which are part of European Economic Area) will earn Lulupoints at revised earn rates:

Merchant categories Lulupoints per AED 1 purchase
All merchants 0.40 point

Classification of merchants based in European Economic Area will be as per prevailing MasterCard guidelines.

The above-mentioned changes are effective from 25 October 2020.

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 & lifestyle benefits

Complimentary Lounge access:

Travel with your ADCB LuLu Titanium Credit Card and enjoy a richer experience than before. As a LuLu Titanium Cardholder you will enjoy unlimited Lounge access at over 10 selected Airport Lounges across Middle East including UAE, KSA, Jordon, Kuwait and Egypt.

Lounge Access Details:

  • Access is available to both primary and supplementary cardholders.
  • To view the latest updated list of lounges, click here.

**Additional visits or accompanying guests, over and above the entitlement, will be charged at a flat rate of USD 32 per visit.

For more information about ADCB Global Lounge Access, please 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.

Card Control

Enjoy complete control of your card transactions and set spend limits with the Card Control feature through the ADCB Mobile App.

  • 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'

Other Benefits

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

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

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 for more details.

Mastercard Benefits

To learn more on other Mastercard benefits, click here.

Fees and charges

For detailed fees and charges please click here.

Terms and conditions

For detailed and most updated terms and conditions on each of the features and benefits provided on your Credit Card as featured in this section, please click here. For Credit card general terms and conditions please click here. All terms and conditions are subject to change without prior notice. All offers are made available on best effort basis and at the sole discretion of ADCB. ADCB makes no warranties and assumes no liability in respect to the products and services provided by the vendors/partners/service providers. For more information, please call ADCB on 600 50 2030

Apply Now

Enjoy a world-class customer experience when you bank with us.

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Other ways to apply

Contact centre

Call our 24-hour contact centre on 600 50 2030.

Apply through SMS

SMS 'LULU' to 2626 from your registered mobile number.

Visit us

We will be happy to welcome you at any of our branches. Find the closest branch to you