Emirates NBD Lulu Mastercard Titanium Credit Card
Emirates NBD Lulu Mastercard Titanium Credit Card lets the users shop to their heart's content and earn rewards & benefits on the shopping done. This Titanium credit card can be obtained without paying any annual membership fees.
The card members have the facility to earn Lulu rewards on this Emirates NBD credit card that can be redeemed at various Lulu stores. Other than that, they can also enjoy a host of exclusive benefits & features on this card, which include travel, dining, wellness, finances, movies, sports, entertainment, and much more.
Benefits and Features of the Emirates NBD Lulu Mastercard Titanium Credit Card
Here is a list of the main features and benefits of this Emirates credit card.
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.
The cardholders have the facility to make payments quickly and easily using this Emirates NBD Credit Card using the facility of contactless payments. They can use their smartwatch or phone for making secure and quick transactions.
The cardholder has the option to enjoy exclusive MasterCard benefits including-
- Free access to more than 10 VIP airport lounges in Egypt, Kuwait, Jordan, KSA, and UAE.
- 30 percent off on bookings through Cleartrip
- 60 percent savings on leading brands at Bicester Village Shopping Collection
- First ride free and 20 percent off on subsequent 3 rides through Careem
- Purchase protection for up to 90 days from the purchase date
- Offers on MYUS Premium shipping
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.
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.
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.
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.
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.
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.
Rewards and Offers on Emirates NBD Lulu Mastercard Titanium Credit Card
Here is a rundown on the top offers and rewards of this Titanium Credit Card.
The bank provides the cardholders with a zero percent balance transfer as a Welcome offer on signing up for the card.
The cardholders have the option to earn a maximum of 3.5 percent as Lulu reward points on your regular transactions. Following is the number of points you can redeem in different categories.
- 5 percent on online expenditure and Lulu in-store
- Two percent on expenditure on fuel
- One percent on the payment of utility bills
- 35 percent on the other transactions
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
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 Titanium Credit Card on it.
The card members have the facility of enjoying the BOGO offer on booking movie tickets at VOX Cinemas using this Lulu Mastercard.
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 Titanium Credit Card
The applicant will have to submit the following documents in order to obtain this NBD Card.
- Original and copy of Emirates ID and passport for identification
- Trade License (for self-employed)
- Bank statements for the last 3 months (in case the bank statement is not available, Mini ATM statement can be submitted)
- Recent salary certificate (for salaried applicants)
- Security Cheque
Fees and Charges:
The following table contains the various fees & charges applicable to this Titanium Credit Card.
|Annual Membership Fees||Free for life|
|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 Titanium Credit Card - FAQs
Q.1: What are the maximum Lulu Points that I can earn on this Emirates Credit Card?
Ans: You can earn up to 0.35 percent back in the form of Lulu points on your regular transactions through this credit card.
Q.2: How to redeem my Lulu points?
Ans: You can redeem your Lulu points at more than 70 Lulu stores. One Lulu point is equal to 1 AED. All you have to do is insert your card inside a terminal and it will give you two options to select from- Lulu points and ENBD Mastercard.
Next, you need to select the option of “Lulu Points” for redeeming the points. You can select the option of “ENBD Mastercard” for making payment as a card transaction. If you want partial redemption, just make two transactions with the amount you desire.
Q.3: How to register for the e-statement of my Emirates NBD Lulu Mastercard Titanium Credit Card?
Ans: The card e-statement is the electronic version of your card statement. The e-statement is delivered to your registered e-mail ID in the same frequency as you receive the hardcopy of your card statement. You have the option of viewing, saving, or printing this e-statement if you want.
Q.4: What is the maximum number of supplementary credit cardholders that I can have?
Ans: You can enroll a maximum of five supplementary credit cardholders. You and the supplementary cardholders will have to share the same credit limit.
Q.5: What would happen if the account balance on my credit card exceeds the pre-determined credit limit?
Ans: If the balance on your credit card account goes above your pre-determined credit limit, an over-limit charge will be levied. This fee will be billed one time within your billing cycle.
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