Emirates NBD Lulu Mastercard Titanium Credit Card

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Emirates NBD Lulu 247 Mastercard Titanium Credit Card lets its card members toshop  their heart's content and earn exclusive rewards on their spending. This Emirates NBD credit card can be obtained without paying an annual membership fees.

Card members have the facility to earn rewards in the form of Lulu Points on their daily spends 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, movies, sports, entertainment, and much more.

Features & Benefits of the Emirates NBD Lulu 247 Mastercard Titanium Credit Card

Here is a list of the main features and benefits of this Emirates NBD credit card.

Lulu Member Benefits

Members of this Emirates NBD credit card can enjoy broad range of exciting privileges at Lulu stores which include:

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

Easy Installment Plans

Using the easy installment plan on this Emirates NBD credit card, card members may shop for electronics, home decor, jewelry, and much more at the participating merchants and make payments in simple installments at 0% rate of interest for tenure of 6 to 12 months.

Contactless Payments

Cardholders can make payments quickly and easily using the facility of contactless payments. They can use their Smartwatch or phone for making secure and quick transactions. 

Mastercard Benefits

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

  • Airport Lounge Access: The card member can enjoy unlimited free access to more than 10 airport lounges in Egypt, Kuwait, Jordan, KSA, and UAE.
  • Purchase protection: All the items and products that have been bought using this ENBD credit card are protected against theft and accidental damage for up to 180 days from the purchase date.
  • MYUS Premium shipping: The cardholder can enjoy exclusive benefits and offers on MYUS Premium shipping.

Salik Top-Up

This ENBD credit 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

Card members are allowed to withdraw a maximum of 50% of the credit card limit as the instant cash at more than 810,000 ATMs or over the counter at the branches of Emirates NBD across the globe that displays the Mastercard or VISA logos.

Security and Convenience

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

Card members 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 5% of the balance outstanding every month, carrying forward the remaining balance to the following statement.

No-Interest Period

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.

Online Access

Members of Emirates NBD Lulu 247 Mastercard Titanium Credit Card can avail online access to their card account which enable them to check their card balances & transactions. Also, they have the option of making payments from this ENBD account.

Rewards and Offers on Emirates NBD Lulu 247 Mastercard Titanium Credit Card

Here is a rundown on the top offers and rewards of this Emirates NBD Credit Card:

Welcome Offer

Emirates NBD provides the cardholders with a zero percent balance transfer with no processing fee for six or twelve months as a welcome offer upon signing up for the Emirates NBD Lulu 247 Mastercard Titanium Credit Card.

Lulu Points

Members of the Emirates NBD LuLu Mastercard Titanium Credit Card are given an automatic enrollment into the reward program which is known as LuLuPoints loyalty program. Cardholders can earn a maximum of 3.5% as Lulu points on their regular transactions with no minimum spend requirement. The accumulated LuLu points can be redeemed at over 70 LuLu stores and 1 LuLu point is equals to AED 1.

Following is the number of LuLu points that the cardholder can earn in different categories.

  • The cardholder can get 3.5% back as Lulu Points on online  and Lulu in-store spends.
  • The cardholder can get 2% back as Lulu Points on expenditure on fuel.
  • The cardholder can get 1% back as Lulu Points on the payment of utility bills.
  • The cardholder can get 0.35% back as Lulu Points on other transactions.

BOGO Offers with Entertainer

Being a member of this ENBD credit card, one 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 the Emirates NBD LuLu 247 Mastercard Titanium Credit Card on it.

Movie Offers

Card members have the facility of enjoying the BOGO (buy one, get one) offer on booking movie tickets at VOX Cinemas using this Emirates NBD credit card.

MasterCard Offers:

Card members can avail the following offers using this Emirates NBD Credit Card:

  • Cleartrip Discount: Card members can book any to and fro international flight ticket or hotel via Cleartrip using this ENBD credit card and can enjoy as high as 30% off on travel bookings.
  • Complimentary Careem Rides: Emirates NBD LuLu 247 Mastercard Titanium Credit Card members can avail 20% discount on three Careem rides each month all over the Middle East. To enjoy this offer, they need to use the promo code “MASTERCARD”.
  • Bicester Village Shopping: The cardholder can enjoy 60% savings on top brands at Bicester Village Shopping Collection.

Bon Appetite-Dining Program

The card member can enjoy a maximum of 30% off on more than 2,000 Bon appetite restaurants in the UAE.

Travel Discounted Offers

This credit card offers a discount of 3% on flight tickets and a maximum of 7% off on holiday packages. These discounts can be accessed via the travel desk at Emirates NBD.

Other Lifestyle Offers

Emirates NBD offers the facilities of GoodTimes and LiveWell that provides the cardholders with exclusive lifestyle and entertainment experiences, and various fitness activities.

Eligibility criteria for applying the Emirates NBD Lulu 247 Mastercard Titanium Credit Card

In order to be eligible for this credit card, the applicant must have a minimum monthly income of AED 5,000. 

Documents Required Emirates NBD Lulu 247 Mastercard Titanium Credit Card

The applicant will have to submit the following documents in order to obtain this Emirates NBD Credit Card:

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

Fees & Charges on Emirates NBD Lulu 247 Mastercard Titanium Credit Card

The following table contains the various fees & charges applicable to this ENBD Credit Card:

Fees & Charges Amount

Annual Membership Fees

Free for Life

Monthly Finance Charges

3.25%

Cash Withdrawal or Advance Fee

AED 99 or 3% of the total amount (whatever higher)

Late Payment Charge

AED 230

Over-Limit Charge

AED 279

Foreign Currency Transaction Charges

Non- AED purchases- 1.99%

AED purchases- 1.99%

Card Replacement Fees

AED 20

Charges on Return on Direct Debit or Cheque

AED 100

Insurance Fee

0.99% on the present balance within the billing period (initial 2 months free)

International Delivery Charge

AED 150/Per credit card

0% Installment Plan Fees

AED 49 (on each transaction)

Cancellation Fees

3% on principal outstanding or AED 250 (whichever is higher)

(Updated as on August 24, 2020) 

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FAQs on Emirates NBD Lulu 247 Mastercard Titanium Credit Card

Q1: What are the maximum Lulu Points that I can earn on this Emirates NBD Credit Card?

Ans: You can earn up to 0.35% back in the form of Lulu points on your regular transactions through this ENBD credit card.

Q2: How to redeem my Lulu points?

Ans: You can redeem your Lulu points at more than 70 Lulu stores. One Lulu point is equals to AED 1. All you have to insert your credit 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.

Q3: How to register for the e-statement of my Emirates NBD Lulu 247 Mastercard Titanium Credit Card?

Ans: 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.

Q4: 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.

Q5: 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.