The LuLu 247 Titanium Credit Card, issued by Emirates NBD, is designed for frequent shoppers at LuLu stores and online platforms. It offers rewards in the form of LuLu Points on different spending categories, providing benefits on both daily purchases and selected lifestyle services.
This credit card is positioned as a long-term solution for those who want consistent rewards rather than short-term promotional benefits. It combines shopping perks, installment options, and digital payment compatibility, without creating the impression of instant or guaranteed approvals.
Key Facts (summary)
- Annual fee: Free for life
- APR (Annual Percentage Rate): 3.49% per month (variable, subject to assessment)
- Minimum income: AED 5,000
- Fees note: Balance transfer at 0% for a limited period; minimum payment 5% or AED 100, whichever is higher
الحقائق الأساسية (ملخص)
- الرسوم السنوية: مجانية مدى الحياة
- النسبة المئوية السنوية (APR): %3.49 شهريًا (متغيرة، خاضعة للتقييم)
- الحد الأدنى للدخل: 5,000 درهم
- ملاحظات حول الرسوم: تحويل الرصيد بنسبة 0% لفترة محدودة؛ الحد الأدنى للدفع 5% أو 100 درهم، أيهما أعلى
Why this card is for you?
This card is suitable if you frequently shop at LuLu stores, buy fuel, or pay utility bills, since it provides tiered rewards across these categories.
It is also practical for cardholders looking for installment plans and supplementary benefits, such as lounge access (until May 2025) and insurance coverage through Credit Shield Pro.
Pros and Cons of the LuLu 247 Titanium Credit Card
Pros
- Up to 3.5% back in LuLu Points on eligible spends
- Free for life, with no annual fee
- 0% balance transfer with no processing fee (limited period)
Cons
- APR of 3.49% per month is relatively high if balances are not paid in full
- Complimentary lounge access benefit ends in May 2025
LuLu 247 Titanium Credit Card: online credit card application
Applications are submitted through the Emirates NBD official website or via branches. You will need to provide your Emirates ID, proof of income, and other standard documentation. Final approval depends on the bank’s credit assessment.
Disclaimer / إخلاء مسؤولية
This content is for informational purposes only and is not issued or endorsed by Emirates NBD. All terms, rates, and fees are subject to change and regulatory approval. Please refer to the bank’s official website and Key Facts Statement for the most accurate and updated information. هذا المحتوى لأغراض إعلامية فقط، ولم يتم إصداره أو اعتماده من قبل بنك الإمارات دبي الوطني. تخضع جميع الشروط والأسعار والرسوم للتغيير والموافقة التنظيمية. يرجى الرجوع إلى الموقع الرسمي للبنك وبيان المعلومات الأساسية للحصول على أدق المعلومات وأحدثها.