Emirates NBD Lulu Mastercard Platinum Credit Card

Emirates NBD Lulu Mastercard Platinum Credit Card allows the users to shop just as they did but enjoy more rewards and benefits than they did. This credit card can be obtained at a low amount of annual membership fees.

The cardholder can enjoy Lulu rewards on their credit card along with various other benefits and features that include lifestyle and travel both.

Benefits and Features of the Emirates NBD Lulu Mastercard Platinum Credit Card

Here is a rundown on the eminent features and benefits of this Platinum credit card.

Mastercard Benefits

The cardholder has the option to enjoy exclusive MasterCard benefits including-

  • 30 percent off on bookings through Cleartrip
  • Free access to more than 10 VIP airport lounges in Egypt, Kuwait, Jordan, KSA, and UAE.
  • First ride free and 20 percent off on subsequent 3 rides through Careem
  • 60 percent savings on leading brands at Bicester Village Shopping Collection
  • Offers on MYUS Premium shipping
  • Purchase protection for up to 90 days from the purchase date

Contactless Payments

The cardholders have the facility to make payments quickly and easily using thgis Emirates NBD Credit Card using the facility of contactless payments. They can use their smartwatch or phone for making secure and quick transactions. 

Easy Installment Plans

Using the zero percent installment plan on this card, the card members may shop for electronics, home décor, jewelry, and much more at the participating merchants and make payments in simple installments at low rates of interest.  

Utility Bill Payment

They can easily make payment of their utility bills online including DEWA, Etisalat, and Emirates Post (Empost) through this Emirates credit card.

Salik Top-Up

This card includes the option of setting up automatic Salik recharge via mobile or online banking as soon as the balances reduce. The credit limit on the card is used up to the extent of the amount of top-up.

No-Interest Period

The cardholders may enjoy up to 55-days grace period or interest-free duration if they make payment of their outstanding balance amount in full on or before the due date.

Immediate Cash Withdrawal

They have access to at most 50 percent of the credit card limit in the cash form at more than 810,000 ATMs or over the counter at the branches of Emirates NBD across the globe.

Flexible Options for Payment

This card offers the facility to make payment as low as five percent of the balance outstanding every month, carrying forward the remaining balance to the following statement.

Security and Convenience

The card members stay covered with this card, no matter where they go through the facilities of 24/7 online access and assistance along with the SMS alerts for every transaction sent by the bank.

Rewards and Offers on Emirates NBD Lulu Mastercard Platinum Credit Card

Here is a list of the best rewards and offers available on this platinum credit card.

Lulu Points

The cardholders have the option to earn a maximum of seven percent as Lulu reward points on your regular transactions. Following is the number of points you can redeem in different categories.

  • Seven percent on online expenditure and Lulu in-store
  • Four percent on expenditure on fuel
  • Two percent on the payment of utility bills
  • 7 percent on the other transactions

Welcome Offer

The bank provides the cardholders with a zero percent balance transfer and a maximum of 500 Lulu points as a Welcome offer on signing up for the card.

Lulu Member Benefits

Being a member at Lulu, the cardholder can enjoy exclusive offers and privileges at Lulu stores including:

  • Priority check-out
  • Exclusive offers and discounts every month
  • Early access to main promotion and sales
  • Complimentary shipping on transactions made with Lulu online on a minimum expenditure of 300 AED

Movie Offers

The card members have the facility of enjoying BOGO offer on booking movie tickets at VOX Cinemas using this Lulu Mastercard.

BOGO Offers with Entertainer

They can also enjoy various BOGO offers on shopping, entertainment, and food with Entertainer by downloading the Mastercard Buy one Get one mobile app and registering this Emirates Platinum Credit Card on it.

Valet Parking Facility

The bank offers up to four complimentary valet parking facilities in one month at the following renowned shopping malls within the UAE.

  • Ferrari World
  • Yas Waterworld
  • Yas Mall
  • Khalidiya Mall

Concierge Desk

With the concierge desk facility, the bank takes care of the main time-consuming errands on the behalf of the cardholders.

Golf offers

The card members have access to the top 5 golf courses throughout the Emirates including Yas Links, Sharjah Shooting and Golf Club, Trump Golf Club, Arabian Ranches, and The Track Meydan.

Discounts

This credit card offers a discount of three percent on flight tickets and a maximum of seven percent off on holiday packages. These discounts can be accessed via the travel desk at Emirates NBD.

The cardholder can make a call on +971470365765 for booking their holiday packages and flight tickets between 9 a.m. to 5:30 p.m. from Saturday till Sunday.

Other Lifestyle Offers

The bank offers the facilities of Bon Appetit, GoodTimes, and LiveWell, that provides the cardholders with exclusive dining and entertainment experiences, and various fitness activities.

Documents Required and Fees & Charges on Emirates NBD Lulu Mastercard Platinum Credit Card

Documents Required:

Here is a list of documents required to submit for this NBD credit card.

  1. Original and copy of Emirates ID and passport for identification
  2. Recent salary certificate (for salaried applicants)
  3. Bank statements for the last 3 months (in case the bank statement is not available, Mini ATM statement can be submitted)
  4. Trade License (for self-employed)
  5. Security Cheque

Note: Additional documents may be needed as per the discretion of the Emirates NBD Bank.

Fees and Charges:

The table below shows the various fees and charges applicable to this Platinum Credit Card.

Fees Amount
Annual Membership Fees 250 AED
Annual Membership Charges on Supplementary Cards Nil
Monthly Finance Charges 3.25%
Cash Withdrawal or Advance Fee 99 AED or 3% of the total amount (whatever higher)
Late Payment Charge 230 AED
Over-Limit Charge 279 AED
Processing Charges on Foreign Currency

Non- AED purchases- 1.99%

AED purchases- 1.99%

Card Replacement Fees 20 AED
Charges on Return on Direct Debit or Cheque 100 AED
Sales Voucher Copy Charges 10 AED
Charges on Paper Statement 5 AED (monthly)
Insurance Fee 0.99% on the present balance within the billing period (initial 2 months free)
Charges on Duplicate Statement (per copy) 15 AED monthly for the previous three months & 45 AED subsequently
0% Installment Plan Fees 49 AED (on each transaction)
Cancellation Fees 3% on principal outstanding or 250 AED (whichever is higher)
Fee on Delivery Charges Overseas 150 AED
Minimum Payment Due 100 AED or 5% (whichever is higher)
Limit on Cash Advance 50%

(Updated as on December 16, 2019)

Emirates NBD Lulu Mastercard Platinum Credit Card - FAQs

Q1: How can I get the zero percent easy installment plan on the Emirates NBD Lulu Mastercard Platinum Credit Card?

Ans: You can convert your payment into this payment plan easily from any of the convenient channels of the Emirates bank- mobile banking, online banking, or at the point of sale.

Q2: What happens if the account balance on my card exceeds the pre-decided credit limit?

Ans: If the balance on your card account goes beyond your pre-decided credit limit, an over-limit fee will be charged. This fee is billed one time in your billing cycle.

Q3: What to do if my credit card is stolen or lost?

Ans: As soon as you realize you have lost your Emirates credit card or it has been stolen, you should approach the bank immediately. You can contact the bank on 600540000 from the UAE & +971600540000 outside the UAE. The bank executives are available round the clock.

Doing so will protect you from any unauthorized usage of your credit card that may take place. The bank will also provide you with the replacement card. You can also make use of the bank’s mobile banking app for blocking or replacing your credit card.

Q4: What will happen if I do not make regular payments on the credit card?

Ans: If not the entire outstanding balance, you must at least make the minimum payment. If you fail to make the minimum payment on time, you will be charged a late payment fee along with the finance charges.

Q5: What are the maximum Lulu Points that I can earn on this Emirates Credit Card?

Ans: You can earn up to seven percent back in the form of Lulu points on your regular transactions through this credit card. As a Welcome Bonus, you will receive up to 500 AED. 

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