The LuLu 247 Platinum is Emirates NBD’s co-branded Mastercard with LuLu Hypermarkets — a free-for-life card built around the strongest grocery earn rate on the UAE market for any household that shops at LuLu most weeks.
- Annual fee
- AED 262.50 incl. VAT
- Min salary
- AED 12,000/mo
- Top earn rate
- 4% Fuel
- Welcome bonus
- 500 LuLu Points
Pros
- 7% back as LuLu Points on LuLu in-store and online — the highest published grocery-category rate among UAE-issued cards in our coverage
- Free for life — published AED 262.50 annual fee is permanently waived
- Complimentary access to 25+ Middle East and global lounges — premium-card perk on a no-fee card
- 4% back as LuLu Points on fuel and 2% on utilities
Cons
- LuLu Points only redeem at LuLu — useless if you don't shop there regularly
- 0.7% base rate on non-LuLu, non-fuel spend is below average
- AED 12,000 minimum salary is above the lower-band Titanium sibling
- LuLu Points sit outside any airline or transfer-partner ecosystem
Earn rates
All earn is paid as LuLu Points, redeemable 1:1 at the till at any LuLu Hypermarket, LuLu Express or on luluhypermarket.com:
- Fuel
- 4%
- Everything else
- 0.7%
Fee summary
The card is free for life — Emirates NBD’s documentation lists a published AED 262.50 (incl. VAT) annual fee that is permanently waived, with no spend threshold to clear. The costs that bite are a 1.99% foreign-currency fee and a 3.25% monthly profit rate (roughly 39% APR) if you revolve a balance. All published fees include 5% VAT.
LuLu 247 Platinum vs Titanium
The Platinum is the upper-tier card in the LuLu pair. If you can clear AED 12,000 a month on salary, the marginal earn over a year covers the Titanium-Platinum gap easily:
| Feature | Titanium | Platinum |
|---|---|---|
| Min salary | AED 8,000 | AED 12,000 |
| LuLu earn rate | 3.5% | 7% |
| Fuel earn rate | 2% | 4% |
| Utilities earn rate | — | 2% |
| Other spend earn rate | 0.5% | 0.7% |
| Lounge access | 10+ ME lounges | 25+ global lounges |
| Annual fee | Free for life | Free for life |
What you get — per-benefit value
LuLu Points carry a published face value — 1 point = AED 0.01 at the till — so the earn prices cleanly. Counted against the AED 0 fee (free for life).
7% LuLu earn
Value to me: AED 840/year on AED 1,000 a month of LuLu spend; AED 2,520/year at AED 3,000 a month. Paid as captive till credit — the value realises only if LuLu stays your weekly shop.
Fuel and utilities earn
4% on fuel, 2% on utilities. Value to me: AED 240/year on AED 500 a month of fuel plus AED 120/year on AED 500 a month of DEWA and telecom — quietly the best fuel rate paid by any free UAE co-brand we track.
Welcome bonus
500 LuLu Points. Value to me: AED 5, one-time. Yes, five dirhams — the welcome is a formality; the earn rates are the product.
Lounge access (25+ lounges, Mastercard Travel Pass)
Value to me: AED 800/year for a four-trip-a-year flyer at the AED 200 walk-in equivalent; AED 400 at two trips.
Travel desk and golf
3% off flights and 7% off packages via the ENBD Travel Desk; 40% off green fees at 100+ courses. Value to me: AED 700 per AED 10,000 holiday package actually booked through the desk; the golf line depends entirely on your green-fee habit, so we don’t book an annual figure.
Total package: a LuLu-loyal household at AED 1,000 a month of LuLu spend plus fuel, utilities and two flights a year collects roughly AED 1,600/year against no fee; at AED 3,000 a month of LuLu spend the package clears AED 3,300/year. All upside — the only catch is that the biggest lines pay in LuLu till credit, not cash.
Key conditions to know
- LuLu Points redemption
- 1 LuLu Point = AED 0.01 redemption value, used at the till at LuLu Hypermarket and LuLu Express, or at checkout on luluhypermarket.com. No transfers to airlines, hotels or third-party programmes.
- Lounge access
- Complimentary access to 25+ airport lounges across UAE, KSA, Jordan, Kuwait, Egypt, USA, UK, Thailand, Turkey and Singapore via Mastercard Travel Pass.
- Travel desk and golf
- 3% discount on flight bookings and 7% off holiday packages booked via the ENBD Travel Desk. 40% off green fees at 100+ golf courses globally.
- Welcome bonus
- 500 LuLu Points plus 0% balance transfer with no processing fee.
- Eligibility
- Minimum monthly salary AED 12,000; UAE residency required; salary transfer not required. Open to salaried, self-employed and business-owners; minimum age 21.
Watch out for
- Captive currency. LuLu Points only redeem inside the LuLu ecosystem. If you wouldn’t shop there otherwise, the headline 7% has zero realisable value — pick a flat-rate cashback card instead.
- Weak base earn. 0.7% on non-LuLu, non-fuel, non-utility spend is below the UAE average — pair this card with a broad cashback card for everything outside groceries, petrol and DEWA.
- No airline transfer route. Unlike Emirates NBD’s Skywards or U By Emaar lineups, LuLu Points sit outside any partner ecosystem. The points are for groceries, full stop.
- Lounge access is via Mastercard Travel Pass. Coverage is good but it isn’t Priority Pass — confirm the lounge at your departure terminal is on the Travel Pass network.
Bottom line
The strongest UAE grocery card on the market for LuLu-loyal households, at no annual cost and with a surprisingly deep perks stack. AED 1,000 a month of LuLu spend returns AED 70 in points; AED 3,000 a month returns AED 210 — earned on grocery spend you were going to do anyway, with 25+ lounges thrown in. Apply if LuLu is your weekly shop. Skip if you shop mostly at Carrefour or Spinneys, if your weekly grocery bill sits below AED 500, or if you want rewards that aren’t locked to one retailer — a flat-rate AED-denominated cashback card is the simpler hold.
Pay smart: if you want to compare this against the broader UAE grocery-and-cashback field, the CBD One free-for-life Visa pairs well as an everything-else card. Newer UAE residents working through the bank-account-and-card setup should start with our expat starter guide.