The LuLu 247 Titanium is the entry-level half of Emirates NBD’s co-branded Mastercard pair with LuLu Hypermarkets — a free-for-life card that opens LuLu cashback to households on modest salaries who still do their weekly shop at LuLu.
- Annual fee
- Free
- Min salary
- AED 8,000/mo
- Top earn rate
- 3.5% Groceries
Pros
- 3.5% back as LuLu Points on LuLu in-store and online — strongest UAE grocery rate at this salary band
- AED 8,000 minimum salary is one of the lowest in the ENBD lineup
- Free for life — no annual fee, no spend threshold, no clawback
- Complimentary access to 10+ Middle East lounges — unusual on a Titanium-tier card
Cons
- 3.5% LuLu rate is half what the Platinum sibling pays on the same shop
- 0.5% on non-LuLu, non-fuel spend is the weakest base rate in the ENBD card stack
- LuLu Points only redeem at LuLu — useless if you shop mostly at Carrefour, Spinneys or Union Coop
- No utilities multiplier and no global lounge access — both are Platinum-only
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:
- Groceries
- 3.5%
- Fuel
- 2%
- Everything else
- 0.5%
Fee summary
The card is free for life — AED 0 annual fee, no spend threshold, no clawback. The costs that bite are a 1.99% foreign-currency fee and a 3.49% monthly profit rate (roughly 42% APR) if you revolve a balance. All published fees include 5% VAT.
LuLu 247 Titanium vs Platinum
The Titanium is the lower-salary sibling. If you can clear AED 12,000 a month on salary, the doubled earn covers the gap easily — same fee, same free-for-life pitch, twice the LuLu rate:
| 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).
3.5% LuLu earn
Value to me: AED 420/year on AED 1,000 a month of LuLu spend; AED 1,260/year at AED 3,000 a month. Half the Platinum’s rate on the identical shop — paid as captive till credit.
Fuel earn
2% as LuLu Points. Value to me: AED 120/year on AED 500 a month of fuel.
Lounge access (10+ Middle East lounges)
The card data carries a 12-visit annual allowance via Mastercard Travel Pass. Value to me: AED 400–800/year for a two-to-four-trip regional flyer at the AED 200 walk-in equivalent; the full 12-visit ration would be worth AED 2,400 to a genuinely frequent short-haul traveller.
Travel desk and golf
3% off flights and 7% off packages via the ENBD Travel Desk; 40% off green fees. Value to me: AED 700 per AED 10,000 holiday package actually booked through the desk; no annual figure booked on the golf line.
Total package: roughly AED 950–1,350/year for a LuLu-shopping, twice-flying household at the AED 1,000-a-month grocery assumption, against no fee. Every line is upside — but a holder above the AED 12,000 salary bar doubles the two biggest lines by moving to the Platinum at the same AED 0.
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 10+ airport lounges across the Middle East via Mastercard Travel Pass — regional coverage, not global. Confirm your departure-terminal lounge is on the network before you rely on it.
- 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.
- Eligibility
- Minimum monthly salary AED 8,000; UAE residency required; salary transfer not required. Open to salaried and self-employed applicants; minimum age 21.
- Welcome
- No headline welcome bonus on Titanium — Emirates NBD reserves the 500-LuLu-Points opener for the Platinum tier.
Watch out for
- Opportunity cost vs Platinum. You earn half the points the Platinum does on LuLu, fuel and base spend. If your salary clears AED 12,000, the Platinum is the better hold at the same zero annual fee.
- Captive currency. LuLu Points only redeem inside the LuLu ecosystem. If you shop mostly at Carrefour, Spinneys or Union Coop, a flat-rate cashback card is the simpler hold.
- Weak base earn. 0.5% on non-LuLu, non-fuel spend is the lowest base rate in the ENBD card stack — pair this card with a broad cashback card for everything outside groceries and petrol.
- Lounge coverage is regional. Useful for short-haul out of DXB or SHJ, less useful if you’re flying long-haul and want a Priority Pass-style global network.
Bottom line
The entry-level LuLu co-brand: half the rates of its Platinum sibling, half the salary bar, the same free-for-life pitch. For a LuLu-loyal household earning between AED 8,000 and AED 12,000 a month, this is the card that fits the slot — AED 1,000 of monthly LuLu spend returns AED 35 in points, AED 3,000 returns AED 105, regional lounges thrown in. Apply if LuLu is your weekly shop and your salary sits under the AED 12,000 Platinum gate. Skip if you earn above that — the Platinum doubles every meaningful rate at the same zero fee — or if you shop elsewhere.
Pay smart: for everything-else spending outside the LuLu aisles, pair this with a broad-merchant cashback card like the CBD One free-for-life Visa. Newer UAE residents working through the bank-account-and-card setup should start with our expat starter guide.