LuLu 247 Titanium

The LuLu 247 Titanium Credit Card is issued free for life, so no annual card fee is charged to the cardholder.

How often

Yearly

How to use it

Applied automatically

Where

All emirates

“Free for life”

Source: https://www.emiratesnbd.com/en/cards/credit-cards/lulu-247-titanium-credit-card · Last checked 25 Aug 2026

At the time of onboarding, new cardholders can transfer an outstanding balance at 0% interest over a 6 or 12 month tenure with no processing fee. A minimum balance transfer amount of AED 1,000 applies and the transfer cannot exceed 50% of the available credit limit; the principal is repaid in fixed monthly instalments over the selected tenure.

How often

Per event

How to use it

Call the concierge line — Apply for the LuLu 247 Mastercard Titanium Credit Card and request the balance transfer at the time of onboarding.

Caps and limits

Applicable at the time of onboarding only. Minimum balance transfer amount AED 1,000. Total balance transfer requested cannot exceed 50% of the available credit limit; if it does, the bank will book 50% of the approved credit limit. 6 or 12 month tenure.

Exclusions

Emirates NBD Credit Card Installment Facilities Terms and Conditions apply.

Where

All emirates

“0% interest on balance transfer (6 or 12 months tenure) with no processing fee”

Source: https://www.emiratesnbd.com/en/cards/credit-cards/lulu-247-titanium-credit-card · Last checked 25 Aug 2026

All other eligible retail spend earns 0.35% back as LuLu Points. Reduced rates apply to certain domestic categories: insurance, car dealership related, grocery and supermarkets other than LuLu, and quick service restaurants earn 0.0875%, spends originating in European Union countries earn 0.0875%, and domestic real estate, education and government services spends earn 0.035%.

How often

Always on

How to use it

Triggered by paying with the card — Spend with the card at any merchant; points accrue to the account per the merchant category code and are redeemed at LuLu point-of-sale terminals in the UAE.

Caps and limits

Combined maximum of 833 LuLu Points per billing cycle for the Titanium card. Points under 'Other Eligible Spend' vary by merchant and merchant category code determined by Mastercard.

Exclusions

Cash advances, instalment facilities, fees and charges, cash backs from other campaigns, internal adjustments, foreign currency purchases, exchange house transactions, savings certificates/bonds/debt instruments, disputed or fraudulent transactions and all ATM transactions.

Where

All emirates, International

“0.35% on other spends”

Source: https://www.emiratesnbd.com/en/cards/credit-cards/lulu-247-titanium-credit-card · Last checked 25 Aug 2026

Utility bill payments charged to the card earn 1% back as LuLu Points, redeemable at LuLu stores in the UAE where one LuLu Point equals AED 1.

How often

Always on

How to use it

Triggered by paying with the card — Pay utility bills with the card; points accrue automatically and are redeemed at LuLu point-of-sale terminals in the UAE.

Caps and limits

Combined maximum of 833 LuLu Points per billing cycle for the Titanium card.

Exclusions

Fees, charges, cash advances, instalment facilities and ATM transactions are excluded from points computation.

Where

All emirates

“1% on utility bill payments”

Source: https://www.emiratesnbd.com/en/cards/credit-cards/lulu-247-titanium-credit-card · Last checked 25 Aug 2026

Earn 3.5% back as LuLu Points on LuLu in-store and online spends with no minimum spend requirement. Points can be redeemed at LuLu stores where 1 point equals 1 AED.

How often

Always on

How to use it

Triggered by paying with the card — Redeem at LuLu point of sale terminals 24 hours after transaction

Caps and limits

Maximum 833 LuLu Points per billing cycle

Where

All emirates

“Earn up to 3.5% back as LuLu Points on your daily spends and with no minimum spend requirement”

Source: https://www.emiratesnbd.com/en/cards/credit-cards/lulu-247-titanium-credit-card · Last checked 25 Aug 2026

Access to special member benefits at LuLu including priority checkout, early access to sales and promotions, free shipping on LuLu online with minimum spend, and monthly discounts.

How often

Always on

How to use it

Applied automatically

Where

All emirates

“Special member benefits at LuLu including priority checkout, early access to sales and promotions, free shipping on LuLu online and other discounts”

Source: https://www.emiratesnbd.com/en/cards/credit-cards/lulu-247-titanium-credit-card · Last checked 25 Aug 2026

Eligible spend in the fuel category earns 2% back as LuLu Points on the LuLu 247 Titanium card, redeemable at LuLu outlets in the UAE at a value of one LuLu Point per AED 1.

How often

Always on

How to use it

Triggered by paying with the card — Pay for fuel with the card; LuLu Points accrue automatically to the account and are redeemed at LuLu point-of-sale terminals in the UAE.

Caps and limits

Combined maximum of 833 LuLu Points per billing cycle for the Titanium card.

Exclusions

Cash advances, instalment facilities, fees and charges, foreign currency purchases, exchange house transactions and ATM transactions do not earn points.

Where

All emirates

“Fuel 4% 2%”

Source: https://www.emiratesnbd.com/-/media/enbd/files/credit-cards/enbd_lulu_247_cc_rewards_program_tnc.pdf · Last checked 7 Oct 2026

Cardholders earn 3.5% of eligible spend back as LuLu Points on purchases made at LuLu stores and on the LuLu webstore. One LuLu Point equals one UAE Dirham and points can be redeemed at point-of-sale terminals in LuLu retail outlets in the UAE (over 70 LuLu stores) 24 hours after an eligible spend. There is no minimum spend requirement.

How often

Always on

How to use it

Triggered by paying with the card — Pay with the card at LuLu in-store or on the LuLu webstore; points are credited to the account and can be redeemed 24 hours later at the point of sale terminals at LuLu retail outlets in the UAE.

Caps and limits

Maximum LuLu Points accrual per single billing cycle for the Emirates NBD LuLu 247 Titanium Credit Card is 833 LuLu Points (or the card limits specified by the bank, whichever is lower). Points are non-transferable and cannot be exchanged for cash. Supplementary cardholders cannot redeem.

Exclusions

Excluded from points: cash advances, instalment facilities, fees and charges (late payment, finance charges, renewal/processing fees), cash backs from other campaigns, internal adjustments, purchase of foreign currency, exchange house transactions, purchase of savings certificates/bonds/debt instruments, disputed/erroneous/unauthorised/illegal/fraudulent transactions and all ATM transactions.

Where

All emirates

“3.5% on LuLu in-store and online spends”

Source: https://www.emiratesnbd.com/en/cards/credit-cards/lulu-247-titanium-credit-card · Last checked 25 Aug 2026

Cardholders receive special member benefits at LuLu including priority checkout at LuLu stores, early access to major sales and promotions, free shipping on LuLu online with a minimum AED 300 spend, and monthly discounts and exclusive offers.

How often

Always on

How to use it

Applied automatically — Present or use the LuLu 247 Titanium Credit Card at LuLu stores or on LuLu online to access the member privileges.

Caps and limits

Free shipping on LuLu online requires a minimum AED 300 spend.

Where

All emirates

“Priority checkout Early access to major sales and promotion Free shipping on LuLu online with minimum AED 300 spend Monthly discount and exclusive offers”

Source: https://www.emiratesnbd.com/en/cards/credit-cards/lulu-247-titanium-credit-card · Last checked 25 Aug 2026

Purchases of electronics, jewellery, home decor, and travel and entertainment tickets at participating merchants can be converted into instalments over 3, 6, 12 or 24 months at 0% interest.

How often

Per event

How to use it

Call the concierge line — Make an eligible purchase at a participating merchant and request conversion into an instalment plan of 3, 6, 12 or 24 months.

Caps and limits

Available at participating merchants only; tenures of 3, 6, 12 or 24 months.

Exclusions

Spend converted into a credit card instalment facility does not earn LuLu Points.

Where

All emirates

“Buy electronics, jewelry, home décor, travel and entertainment tickets at participating merchants and pay it back in 3, 6, 12 or 24 months with 0% interest.”

Source: https://www.emiratesnbd.com/en/cards/credit-cards/lulu-247-titanium-credit-card · Last checked 25 Aug 2026

Shop at participating merchants and pay back in 3, 6, 12 or 24 months with 0% interest on electronics, jewelry, home décor, travel and entertainment tickets.

How often

Per event

How to use it

Redeem in a partner app — Apply at participating merchants

Where

All emirates

“pay it back in 3, 6, 12 or 24 months with 0% interest”

Source: https://www.emiratesnbd.com/en/cards/credit-cards/lulu-247-titanium-credit-card · Last checked 25 Aug 2026

Enjoy exclusive privileges and offers at LuLu including priority checkout, early access to sales and promotions, free shipping on LuLu online with minimum AED 300 spend, and monthly discounts and exclusive offers.

How often

Always on

How to use it

Applied automatically

Caps and limits

Free shipping minimum AED 300 spend on LuLu online

Where

All emirates

“Special member benefits at LuLu including priority checkout, early access to sales and promotions, free shipping on LuLu online and other discounts”

Source: https://www.emiratesnbd.com/en/cards/credit-cards/lulu-247-titanium-credit-card · Last checked 25 Aug 2026

Cardholders can pay on the go by making secure, cashless payments with the card loaded onto a compatible phone or wearable device.

How often

Always on

How to use it

Activate in the bank's app — Add the Emirates NBD card to a compatible phone or wearable and tap to pay.

Where

All emirates

“Make secure, cashless payments using your compatible phone or wearable.”

Source: https://www.emiratesnbd.com/en/cards/credit-cards/lulu-247-titanium-credit-card · Last checked 25 Aug 2026