Emirates NBD LuLu 247 Platinum review

Perks

7% back as LuLu Points on all LuLu in-store and online (luluhypermarket.com) spends

4% back as LuLu Points on fuel

1% back as LuLu Points on all other spends

Complimentary access to 25+ airport lounges across UAE, KSA, Jordan, Kuwait, Egypt, USA, UK, Thailand, Turkey, Singapore and more

3% discount on flight bookings and 7% off holiday packages via ENBD Travel Desk

Golf privileges — 40% off green fees at 100+ courses globally

0% Balance Transfer with no processing fee

0% Easy Payment Plan (6–12 months) at participating merchants

LuLu Points redeemable instantly at LuLu Hypermarkets, LuLu Express, and luluhypermarket.com

Apple Pay, Samsung Pay, Google Pay

The LuLu 247 Platinum is Emirates NBD’s co-branded Mastercard with LuLu Hypermarkets. It’s a free-for-life card with a strong 7% earn rate at LuLu stores, making it particularly valuable for families who regularly shop at LuLu across the UAE.

Earn rates

All earn rates are % back as LuLu Points (1 LuLu Point ≈ AED 0.01 in redemption value):

Spend category	Rate
LuLu in-store and luluhypermarket.com	7%
Fuel	4%
Everything else	1%

Lower-earning categories (at ~25% of the standard non-LuLu rate per search data) include: car dealerships, non-LuLu grocery/supermarkets, insurance, and fast-food restaurants. Lowest-earning categories include education, government services, and real estate.

LuLu 247 Platinum vs Titanium

Feature	Titanium (Free)	Platinum (Free)
Min salary	~AED 8,000	AED 15,000
LuLu earn rate	3.5%	7%
Fuel earn rate	~2%	4%
Lounge access	10+ ME lounges	25+ global lounges

Notes

Free-for-life card — no annual or joining fee to justify.
LuLu Points only redeem within LuLu ecosystem (stores and website) — not transferable to airlines.
Best value for families who spend AED 3,000+ per month at LuLu: 7% back = AED 210+/month.
Lounge access covers key ME destinations plus major international hubs.

groceries	7× per AED 1
fuel	4× per AED 1
everything Else	1× per AED 1