ADCB Lulu Titanium Credit Card

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  • Airport Lounge
  • Shopping Benefits
  • Fuel benefits
  • Movie Discounts




Best credit cards with 0 Annual fee*


Best credit cards with 0 Annual fee*

  • Dubai
  • Abu Dhabi
  • Sharjah
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  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits

ADCB Lulu Titanium Cardholders can turn the purchases made on their Lulu card into free shopping at any of the Lulu hypermarkets. Every time the card is used to make any expenditure, cardmembers earn Lulu points. These points can be accumulated and used to make purchases across the Lulu hypermarkets in the UAE.

Additionally, the cardholder is offered numerous perks and rewards, all at a Zero Annual Fee.

Features and Benefits of ADCB Lulu Titanium Credit CardADCB LuLu Titanium Credit Card

Here is a rundown on the various features and benefits offered to the Lulu Titanium Cardholder:

Complimentary Access to Airport Lounges

When traveling with the Lulu Titanium card, cardholders can enjoy complimentary unlimited airport lounge access at over ten airport lounges across the Middle East. These airport locations include the UAE, Kuwait, Jordon, KSA, and Egypt. 

This access is available to both, the primary and supplementary cardholders. The updated list of airport lounges can be found on ADCB’s official website.

Card Control

With the complete control of their transactions, and setting the spending limits, Lulu Titanium cardholders can have it all with the card control feature on the ADCB mobile app. The following services can be accessed with this feature:

  • Setting daily spending limits
  • Setting monthly spending limits
  • Blocking all transactions
  • Blocking transactions carried online
  • Blocking transactions taking place in-store
  • Blocking foreign transactions
  • Blocking any cash withdrawals from ATMs

Interest-Free Days

With the ADCB Lulu Titanium card, the cardholder has a maximum of 55 interest-free days, given that he or she continues to pay the outstanding dues in full before the due date.

Cash Loans

In case the cardholder requires a cash boost, he or she can request a cash loan against the available credit limit. This amount is transferred to his or her account within three working days at a nominal interest rate and can be repaid in easy installments spread across a period of up to 24 months.

Interest-Free Balance Transfers

This service can be used within 90 days from the date of card registration to consolidate any outstanding credit card dues that the cardholder may have using his or her ADCB Lulu Titanium Card. This is offered at low-interest rates and can be repaid flexibly in up to 24 months.

Convenient Payments

ADCB provides cardmembers with the comfort to pay as little as 5% of their outstanding credit dues and carry forward the remaining amount to the next billing cycle. The card dues can be cleared by making payments by using any of the convenient methods mentioned below:

  1. Using the Personal Internet Banking
  2. Using the Mobile Banking App
  3. By visiting the ADCB Branches
  4. Using the Cash Deposit Machines
  5. By setting up Auto Debit instructions

Easy Installments

Cardholders no longer have to pay for their pricey purchases in one go. They can divide their high-value purchases into affordable installments by using the Easy Payment Plan. These installments can be repaid over a flexible tenure of up to 24 months at low-interest rates. Additionally, if the purchase is made at any of the partner retailers, these installments can be repaid at a 0% interest rate.

Credit Shield

This is an optional insurance plan offered to the cardmembers at nominal charges that covers them for an amount of up to AED 200,000 against unforeseen emergencies such as natural death, critical illness, total or permanent disablement, and involuntary job loss.

Rewards and Offers of ADCB Lulu Titanium Credit Card

The following are the various rewards and offers on the Lulu Titanium card:


For every purchase made using this ADCB Credit Card, the cardholder is eligible to earn LuluPoints. The following are the points earned for the different spending categories:

Category 1 Category 2 Category 3

Rewards on every AED 1 worth Lulu purchase

Rewards on every AED 1 worth non-Lulu purchase

Monthly spend goals (Lulu and elsewhere)

3.5 LuluPoints

1 LuluPoint

AED 3,500

If the purchases on the Lulu Titanium card do not meet the monthly spending goals of AED 3,500 the cardholder will still earn rewards worth 1 LuluPoint.

The accumulated LuluPoints can be redeemed instantly by presenting the ADCB Lulu Titanium Card at the time of checkout on the counters of the Lulu Hypermarkets across the UAE. They can be redeemed for as low as 5,000 LuluPoints and using the supplementary card also.

Deals at Yas Attractions

The cardholder has access to exclusive benefits across Abu Dhabi’s top 3 attractions – Yas Waterworld, Warner Bros. World, and Ferrari World. The perks offered are:

  • A discount worth 15% on the tickets for general admission and the annual passes that are purchased on the ticketing counters of the park.
  • A discount of 15% on merchandise.
  • A discount worth 10% of food and beverages.
  • A free quick pass (worth AED 150) that allows priority access to attractions and rides.
  • Any purchases exceeding AED 500 made at Yas Waterworld, Ferrari World, and Warner Bros. World can be converted into a 0% payment plan by the cardholder.

Buy One Get One Free Offers

There are numerous offers to choose from throughout the Middle East and Africa across premium spas, fine dining outlets, and much more when the cardholder uses his or her Lulu Titanium card for payment. The following are some of the deals offered:

  • Free 1 hour spa treatment with purchase of 1-hour spa treatment.
  • Free entree with the purchase of one entree.
  • Complimentary main course with the purchase of one meal course.

The cardholder can simply download the MasterCard Buy 1 Get 1 app from the Google Play or Apple store and register with his or her ADCB Lulu Titanium card to access more than 900 unlimited offers.

Careem’s Personal Chauffeur 

With Careem’s Personal Chauffeur service, cardmembers can have their own personal driver take them wherever they need to go. All that they have to do is choose the type of car as per their requirement, book right on the spot or schedule it for a pickup time later.

Additionally, when traveling across the countries in the Middle East with the Lulu Titanium Mastercard, cardholders can enjoy a discount of 20% on three rides every month simply by using the promo code ‘MASTERCARD’ while booking.

Fees and Charges of ADCB Lulu Titanium Credit Card

Below is a table detailing the fee and charges for a Lulu Titanium card:

Fees and Charges Amount

Annual Fee


Finance Charges for Retail Purchases

3.25% monthly

Finance Charges for Cash Advance

3.50% monthly

Finance Charges for credit card Loan/Balance Transfer/Installment Plans

Up to 1.50% monthly

Fee for Cash Advance

3.15% or AED 105 (the higher amount)

Fee for Over Limit

AED 288.75

Late Payment Charges

AED 241.50 (in case of the minimum due being paid by the due date)

Fee for Card Replacement

AED 78.75

Charges for a Duplicate Statement

AED 26.25

Processing Fee for Outstation Cheque

AED 21

The margin for a transaction in foreign currency


Fee for credit shield (optional)

1.0395% (of the outstanding amount at the billing cycle)

Fee for a temporary increase of the credit limit

AED 52.50

Sales Voucher Copy

AED 26.25

Processing Fee for the 0% payment plans at partner merchants and credit cards

AED 52.50

Charges for Liability/No Liability Letter

AED 52.50

(Updated as of August 2020)

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Frequently Asked Questions

Q1: How can I redeem the Lulupoints?

Ans: The LuluPoints can be redeemed easily by presenting the ADCB LuluPoints at the time of checkout at any of the hypermarkets of Lulu across UAE. These points can be redeemed for as low as 5,000. On top of this, they can also be redeemed with supplementary cards. 

Q2: Is there any annual fee charged on the ADCB Lulu Titanium Credit Card?

Ans: No, the Lulu Titanium is free for life card i.e., no annual membership fee needs to be paid in order to own this card. 

Q3: Can I obtain a cash advance with this ADCB Lulu card?

Ans: Yes, a cash advance of up to 60% against the available card limit can be obtained with your Lulu Titanium card. 

Q4: How can I access the card control feature on the ADCB app?

Ans: The card control feature can simply be accessed by going on the ADCB mobile app and clicking on the 'My Account' and then choosing the 'Credit Cards' option if you are owning more than one card you can choose the card you wish to control, and then scroll down and select the 'card control settings' option.  

Q5: Am I allowed to bring an accompanying guest with me to the listed airport lounges?

Ans: Yes, any guest over the entitlement can accompany the cardholder by simply paying a flat rate of USD 32.

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