ADCB LuLu Platinum Credit Card

In June 2008, Abu Dhabi Commercial Bank (ADCB) launched it’s first-ever co-branded credit card named as ADCB LuLu Platinum Credit Card that promises a wide range of rewards and savings on every dirham spent by the credit card cardholder. Ever since its launch, this ADCB Credit Card has consistently been a favourite credit card amongst residents in the region due to its unparallel benefits and features. Not only it offers great rewards but also this ADCB card can turn spending into free shopping at LuLu Hypermarket.

Features & Benefits of ADCB LuLu Platinum Credit Card
ADCB LuLu Co- Brand Platinum Credit Card

ADCB LuLu Platinum Credit Card comes loaded with a wide variety of useful features & benefits to ensure a rewarding experience to the card members. Following are the key features & benefits of this card:

  • Zero Annual Fee: The ADCB LuLu Platinum Credit Card does not charge an annual membership fee.
  • Free Airport Lounge Access: Card members can get unlimited complimentary access to more than 25 regional as well as international airport lounges across a wide range of destinations.
  • Card Control: The official mobile application of ADCB assists the cardholder in managing & controlling the transactions as well as setting spending limits simply by utilizing their cell phones.
  • No Interest Period: Card members can get an interest-free period of 55 days (maximum) if they continuing paying their outstanding balance in full on or before the due date of payment.
  • Minimum Due Amount: Member of the ADCB LuLu Patinum Credit Card can pay as low as 5% of their outstanding balance every month. And, they can carry forward the outstanding balance amount to the billing cycle of the next month.
  • Convenient Payment Options: ADCB offers its cardholders the convenience of making payments for their credit card’s outstanding balance amount through any of the below-mentioned payment channels:
    • Personal Internet Banking
    • Mobile Banking App
    • Cash Deposit Machines
    • Bank branches
    • Auto-debit Instructions through ADCB Current or Savings Account
    • AI Ansari Exchange
    • UAE Exchange
    • LuLu Exchange branches
  • Balance Transfers: The facility of balance transfer can be availed within 90 days of the registration of this ADCB credit card. Additionally, card members can enjoy the flexibility of repaying via easy instalments of up to 24 months.
  • Cash Loans: With the ADCB LuLu Patinum Credit Card, the cardholder can enjoy the cash loan facility through which they get cash against their available credit limit and it will be transferred to their bank account within three business days. The repayment of the amount can easily be done in monthly instalments of up to 24 months.
  • Easy Instalments: With the easy instalment facility, cardholders can ease the pain of paying back large purchases all in one go. They can easily split their transactions into 0% internet payment plans of a maximum of 24 months at attractive rate of interest.
  • Credit Shield: At just a nominal fee, Abu Dhabi Commercial Bank (ADCB) offers an optional insurance plan that covers the outstanding balance of the card for up to the limit of AED 200,000 in an unforeseen event such as permanent total disability, critical illness, natural death, etc.

Rewards & Offers on ADCB LuLu Platinum Credit Card

Following are the offers and rewards offered on the ADCB LuLu Platinum Credit Card:

  • Rewards: ADCB LuLu Platinum Credit Card offers the best and the most lucrative reward programmes. The reward programme offered by this ADCB credit cardis called ‘LuLu Points’. Cardholders can get to earn 5 LuLuPoints for every 1 AED at LuLu outlets and 1.25 LuLu points at non-LuLu outlets, all year round. These LuLu Points can be instantly redeemed at different outlets across the UAE. Please note that LuLu Point redemption available for as low as 5,000 Points.
  • Exclusive Perks & Privileges at Yas Island Attractions: At Yas Waterworld, Warner Brothers World, Ferrari World Abu Dhabi, members of the ADCB LuLu Platinum Credit Card can get as high as 15% discount on general admission tickets and annual passes bought at the park ticket counters, 15% discount on Merchandise, 10% discount on food & beverages (F&B), and free quick passes i.e. worth AED 150 for priority access to rides as well as several attractions.

# Note- 0% interest payment plan is available on all purchases that are more than AED 500 made at all the aforementioned amusement parks.

  • Careem Rides: Member of the ADCB LuLu Platinum Credit Card can avail 20% discount on 3 Careem rides per month. All they are require to use the promo code “MASTERCARD” at the time of booking a Careem ride to enjoy this discounted offer.
  • Buy One Get One Free: ADCB LuLu Platinum Credit Card ensures a wide range of complimentary offers for card membersAs a LuLu Platinum card member, one can enjoy the following offers throughout the Africa and Middle East across premium spas, fine dining establishments, and more:
    • Complimentary 60 minutes SPA treatment upon purchase of 60 minutes treatment.
    • Complimentary entrée upon purchase of one entrée.
    • Complimentary main course upon purchase of one meal.

Fees & Charges on ADCB LuLu Platinum Credit Card

Following are the fees & charges associated with the ADCB LuLu Platinum Credit Card:

Particulars Fee & Charges

Annual Membership Fee


Finance charges (Retail purchase)

3.25% Monthly

Finance charges (Cash Advance)

3.50% Monthly

Finance charges (Balance Transfer)

Up to 1.50% Monthly

Over limit fee

AED 288.75

Late payment fee

AED 241.50

Card replacement fee

AED 78.75

Duplicate statement fee

AED 26.25

Returned cheque charge

AED 157.50

Copy of sale voucher

AED 26.25

Credit shield fee (Optional)


Temporary credit limit increase fee

AED 52.50

International Transaction Charges


Foreclosure fee (Credit Card Loans)

AED 210

Frequently Asked Questions

Q1: What is LuLuPoints Rewards Programme?

Ans: LuLuPoints Reward Programme is the reward or loyalty programme offered to ADCB LuLu Platinum Credit Cardholders. Members of this credit card can get to earn 5 LuLuPoints for every 1 AED spent at LuLu outlets and 1.25 LuLuPoints for every 1 AED spent at anywhere else in the UAE. The minimum monthly spend goal for LuLuPoints is as low as AED 5000.

Q2: Is there any membership fee for LuLuPoints programme?      

Ans: No. There is no membership fee for LuLuPoints programme. Cardholders are automatically eligible to earn LuLuPoints on every purchase through LuLuPoints.

Q3: How can I check the balance on my ADCB LuLu Platinum Credit Card?     

Ans: It is very easy to check the balance on your ADCB LuLu Platinum Credit Card. Here are some common ways:

  1. SMS Enquiry – ADCB LuLu Platinum Credit card members can check their credit card balance by simply sending SMS at 2626.
  2. Internet Banking – Card-members may log in to their internet banking accounts and check their ADCB LuLu Platinum Credit Card balance in a matter of a few seconds.
  3. Mobile Banking – Card members may also check their card balance using ADCB’s multi-functional Mobile App. In addition, card members may also pay their shop, and make credit card payments for their ADCB LuLu Platinum Credit Cards directly through the mobile app.
  4. ADCB Mobile Alerts – Card members may also register for ADCB Mobile alerts to get instant notifications about their balance, payment reminders, transactions and more, even on-the-go.

Q4: Can I earn LuLuPoints on other Products and Services?

Ans: No. You can earn LuLuPoints only on purchases made with your ADCB LuLu Platinum Credit Card. You may earn TouchPoints for other eligible ADCB Products and Services. For more details on TouchPoints, please visit the official website of ADCB.

Q5: What is the maximum and minimum LuLuPoints I can redeem?

Ans: There is no maximum or minimum value for the redemption of LuLuPoints. You can redeem any value of LuLuPoints. However, the points should be in multiples of 100. In addition, you must have a minimum of 5000 points for redemption.

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