ADCB LuLu Co-Brand Platinum Credit Card

ADCB LuLu Co- Brand Platinum Credit Card

Credit cards are perhaps the most preferred way of spending for the residents and expats in the UAE. There are plenty of good reasons for it - cash back, rewards, air miles, bonus points, special privileges and much more. Quite naturally, spending on credit cards has been increasing year on year in the region.

But here’s a shocking fact: According to a report by Khaleej Times, the UAE has over 200 different types of credit cards that offer rewards and savings and picking the best from the lot could easily prove to be a daunting task.

Given the fact that the residents in the region look for credit cards that can help them save with lucrative rewards and benefits, UAE’s leading bank, Abu Dhabi Commercial Bank partnered with MasterCard Worldwide and one of the UAE’s largest retailers - EMKE Group to launch ADCB LuLu Co-Brand Platinum Credit Card that promises a wide range of rewards and savings on every dirham spent by the credit card cardholder.

About ADCB LuLu Co-Brand Platinum Credit Card

In June 2008, Abu Dhabi Commercial Bank (ADCB) launched it’s a first-ever cobranded credit card in order to help credit cardholders maximize their savings by earning lucrative rewards on every dirham that they spend. Ever since its launch, ADCB LuLu Co-Brand Platinum Credit Card has consistently been a hot favourite amongst residents in the region.

ADCB LuLu Co-Brand Platinum Credit cardholders can redeem the LuLu points earned on the card instantly for vouchers that can be used at one of the many Emirates General Market outlets, LuLu outlets, Al Falah Plaza outlets in the UAE.

For every 1 AED spent on ADCB LuLu Co-Brand Platinum Credit Card, card members can earn as much as 5 LuLuPoints and for every 1AED spent on non-LuLu purchases, card members can earn 1.25 LuLu points. In addition to the shopping benefits, platinum credit card members can enjoy complimentary access to more than 25 premium airport lounges across UAE, UK, USA, Canada, Saudi Arabia, Jordan, Egypt, Morocco, Kuwait, Singapore, France, Germany, and more.

Features of ADCB LuLu Co-Brand Platinum Credit Card

ADCB LuLu Co-Brand Platinum Credit Card comes loaded with a wide variety of useful features to ensure a rewarding experience to the card members. No wonder, this credit card remains the preferred choice for both expats and residents in the UAE alike. Listed below are just some of the many amazing features of ADCB LuLu Co-Brand Platinum Credit Card.

  • 5 LuLu Points (Reward Points) per AED 1 purchase at Lulu Hypermarket, Emirates General and Al Falah stores in the UAE.
  • 1.25 Lulu points (Reward Points) per AED 1 purchase at non-LuLu outlets inside or outside the UAE.
  • LuLu Point redemption available for as low as 5,000 Points.
  • Complimentary access to more than 25 premier airport lounges.
  • Credit Shield feature to ensure that card-members’ dues for up to for AED 100,000  are taken care of in case of unfortunate circumstances including permanent total disability, critical illness, involuntary loss of employment, natural death, etc.
  • Availability of credit card loan.
  • EMI options with zero interest charges.
  • 25 days interest-free period and balance transfer facility.

Benefits of ADCB LuLu Co-Brand Platinum Credit Card

ADCB LuLu Co-Brand Platinum Credit Card is amongst premium credit cards in the UAE region that offers a wide range of benefits and rewards to the cardholders. Lucrative rewards and benefits offered by this credit card promise huge savings and convenience. Listed below are some of the many benefits offered by ADCB LuLu Co-Brand Platinum Credit Card.

  • No annual fees.
  • Cardholders can get exclusive spot discounts on a range of products with the card.
  • Supplementary cards are available with no annual fee.
  • Cash advance fee is as low as 3% or AED 50, whichever is higher.
  • Cardmembers get to earn 5 LuLu Points at LuLu outlets and 1.25 LuLu points at non-LuLu outlets, all year round.
  • Cardmembers can get complimentary access to more than 25 premier lounges across a wide range of destinations.
  • Cardholders can redeem LuLu Points for as low as 5000 points.
  • Cardholders get to enjoy 15% off on admission tickets and annual passes at the Ferrari World Abu Dhabi, Yas Waterworld and Warner Brothers World Abu Dhabi.
  • Cardholders get to enjoy 15% off on merchandise and 10% off on food and beverages at Ferrari World Abu Dhabi, Yas Waterworld and Warner Brothers World Abu Dhabi.
  • Car members can get priority access to rides and attractions with free, complimentary quick passes worth AED 150.

Eligibility

Listed below are the eligibility criteria for ADCB LuLu Co-Brand Platinum Credit Card:

  • Income Eligibility: AED 15,000 (Minimum monthly income)
  • Residential Eligibility –UAE residents with valid UAE Residence Visa
  • Verification Eligibility - Age/Id Proofs

Top Reasons to Get ADCB LuLu Co-Brand Platinum Credit Card

No annual fees, massive discounts and instantly redeemable reward points, there are a multitude of reasons why one must get ADCB LuLu Co-Brand Platinum Credit Card. Check out 5 of the many reasons why residents in the UAE must get this card.

  1. Lucrative Rewards Programme
 - ADCB LuLu Co-Brand Platinum Credit Card offers the best and the most lucrative reward programmes. The reward programme offered by ADCB LuLu Co-Brand Platinum Credit Card is called ‘LuLuPoints’. 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.
  2. Complimentary Lounge Access - ADCB LuLu Co-Brand Platinum Card members can enjoy 3 complimentary access annually to over 850 premium airport lounges at many popular cities worldwide.
  3. Benefits at Ferrari World Abu Dhabi, Yas Waterworld & Warner Brothers World Abu Dhabi - Cardholders can get to enjoy multiple privileges and discounts on admission tickets, food and beverages and merchandise at Yas Waterworld, Ferrari World Abu Dhabi, and Warner Brothers World Abu Dhabi.
  • 15% discount on admission tickets
  • Complimentary Quick Pass worth AED 150 for priority access to rides and attractions
  • 15% discount on Merchandise
  • 10% discount on Food and Beverage
  • 0% interest payment plan available on all purchases above AED 500 made at Yas Waterworld, Ferrari World, and Warner Brothers World Abu Dhabi
  1. Complimentary Offers - ADCB LuLu Co-Brand Platinum Card ensures a wide range of complimentary offers for card members. As a LuLu Co-Brand Platinum card-member, one can get: 
  • 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.

 ADCB LuLu Co-Brand Platinum Credit Card Offers (Updated in June 2018)

  • 10 LuLu Points for Every 1 AED first three months on Sign-up.
  • 15% discount on Merchandise at Ferrari World, Yas Waterworld Abu Dhabi and Warner Brothers World Abu Dhabi
  • 10% discount on Food and Beverage at Ferrari World, Yas Waterworld Abu Dhabi and Warner Brothers World Abu Dhabi
  • Complimentary access to over 850 premium lounges worldwide.
  • Buy 1 Get 1 offers at restaurants, spas and more throughout Middle East & Africa.
  • Complimentary 60 minutes SPA treatment upon purchase of 60 minutes treatments

Fees and Charges

Annual Membership Fee

Nil

Finance charges (Retail purchase)

2.65% Monthly

Finance charges (Cash Advance)

3.00% Monthly

Finance charges (Balance Transfer)

Up to 1.5% Monthly

Over limit fee

AED 150.00

Late payment fee

AED 150.00

Card replacement fee

AED 95

Duplicate statement fee

AED 25

Returned cheque charge

AED 150

Copy of sale voucher

AED 25

Credit shield fee (Optional)

0.6%

Temporary credit limit increase fee

AED 50

Minimum Payment Due

5% or AED 100

Foreclosure fee (Credit Card Loans)

AED 100

Foreclosure fee (Personal Payment Plans)

AED 100


ADCB LuLu Co-Brand Platinum Credit Card Rewards

  1. LuLuPoints - LuLuPoints is the reward programme for ADCB LuLu Co-Brand Platinum Credit Card. For every AED 1 spent on the card at LuLu outlets, card members can earn 5 LuLuPoints, and for every 1 AED spent at non-LuLu outlets, card members can earn 1.25 LuLuPoints. These touchpoints may later be redeemed for shopping, entertainment and dining.
  2. Entertainment Rewards - Card members can earn multiple benefits at Yas Waterworld, Warner Brothers World and Ferrari World Abu Dhabi.

Some of These Rewards are:

  • 15% discount on Merchandise
  • 10% discount on Food and Beverage
  • 0% interest payment plan available on all purchases above AED 500 made at Ferrari World, Yas Waterworld Abu Dhabi and Warner Brothers World Abu Dhabi
  • Complimentary Quick Passes (Worth AED 150) for priority access to rides, and attractions.
  1. BOGO (Buy1 Get1) Rewards – ADCB LuLu Co-Brand Platinum Credit card members can also get to avail hundreds of complimentary rewards and offers across restaurants, spas, and more throughout Middle East & Africa.

How to Earn Rewards?

ADCB LuLu Co-Brand Platinum Credit Card allows card members to earn 5 LuLuPoints for every AED 1 spent at LuLu outlets and 1.25 LuLuPoints for every 1 AED spent at non-LuLu outlets. These LuLuPoints earned can be redeemed instantly at the checkout counters in LuLu outlets across UAE. This means card members can earn and collect LuLuPoints for shopping, dining, spa treatments, and much more. The collected LuLuPoints may be redeemed for shopping, dining, entertainment and much more.

How to Redeem Your Points?

Carefully conceptualized to maximize rewards and savings for UAE residents, ADCB LuLu Co-Brand Platinum Credit Card offers attractive discounts and LuLuPoints (reward points) on every successful purchase. Additionally, the card also makes it easy for cardmembers to redeem their accumulated LuLuPoints. Cardholders may instantly redeem their LuLuPoints at checkout counters of LuLu outlets across the UAE region.

Additional Information / Documentation

Here is a list of documents that applicants may need to furnish in order to get ADCB LuLu Co-Brand Platinum Credit Card:

  • Salary Certificate/Salary transfer letter (Salaried individuals)
  • Trade licence (Self-employed individuals)
  • 3-6 months bank statements
  • UAE Residence Visa (For Expats)
  • Passport (Expats)
  • Emirates ID
  • Address Proofs

In addition, applicants may also be required to submit a security cheque.  

How to Apply For ADCB LuLu Co-Brand Platinum Credit Card?

Applicants looking to maximize their savings and make the most of their expenses may easily fill up an application form for ADCB LuLu Co-Brand Platinum Credit Card at Policybazaar.ae. Upon successful submission of the application form, one of the many credit card experts from Policybazaar.ae will contact the applicants to collect required documents to process the application.  

Policybazaar.ae is an innovative platform that makes the process of buying credit cards easy and hassle-free for the residents of the UAE region. With exhaustive information, relevant pros and cons, and the fee structure for different credit cards available in the UAE, the website make it easy for applicants to make well-informed decisions when buying credit cards.

Frequently Asked Questions

Q1: What is LuLuPoints Rewards Programme?

Ans: LuLuPoints Reward Programme is the reward or loyalty programme offered to ADCB LuLu Co-Brand Platinum Credit Cardholders. LuLu Platinum cardholders can get to earn 5 LuLuPoints for every 1 AED spent at LuLu outlets and 1.25 LuLuPoints for every 1 AED spent at elsewhere in the UAE. The minimum monthly spend goal for LuLuPoints is as low as AED 5000. In addition, cardholders can earn 0.5 LuLuPoints for purchases made worth 1 AED overseas.

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 Co-Brand Platinum Credit Card?     

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

  1. SMS Enquiry – ADCB LuLu Co-Brand 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 Co-Brand Platinum Credit Card balance in a matter of a few seconds.
  3. Mobile Banking – Cardmembers 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 Co-Brand Platinum Credit Cards directly through the app.
  4. ADCB Mobile Alerts – Card-members may also register for ADCB Mobile Alerts to get instant alerts 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.