Emirates NBD · Mastercard
Emirates NBD LuLu 247 Titanium
- Annual fee
- AED 0
- FX fee
- 1.99%
- Min salary
- AED 8,000/mo
Earn rates
| groceries | 3.5× per AED 1 |
| fuel | 2× per AED 1 |
| everything Else | 0.5× per AED 1 |
Perks
- 3.5% back as LuLu Points on LuLu in-store and online spends
- 2% back as LuLu Points on fuel
- 0.5% back as LuLu Points on all other spends
- Complimentary access to 10+ airport lounges across the Middle East
- Golf privileges — 40% discount at 100+ courses globally
- 3% discount on flight bookings and 7% off holiday packages via ENBD Travel Desk
- 0% Easy Payment Plan (6–12 months) at participating merchants
- LuLu Points redeemable at LuLu Hypermarkets, LuLu Express, and luluhypermarket.com
- Apple Pay, Samsung Pay, Google Pay
The LuLu 247 Titanium is Emirates NBD’s entry-level LuLu co-branded Mastercard. Free for life with a lower income threshold than the Platinum, it’s a starting point for LuLu shoppers on more modest incomes who want points on everyday grocery spending.
Earn rates
All earn rates are % back as LuLu Points (1 LuLu Point ≈ AED 0.01 in redemption value):
| Spend category | Titanium | Platinum |
|---|---|---|
| LuLu in-store / online | 3.5% | 7% |
| Fuel | 2% | 4% |
| Everything else | 0.5% | 1% |
Notes
- Free-for-life with no income-justification needed — any UAE resident on AED 8,000/month qualifies.
- Lounge access limited to 10+ ME airports; Platinum covers 25+ global destinations.
- Upgrade path: once salary exceeds AED 15,000, step up to Platinum to double all earn rates.
- LuLu Points only redeem within LuLu ecosystem — not transferable to airlines or hotels.