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LuLu Credit Card

LuLu Credit Card

Introducing ADCB’s LuLu Credit Card, a credit card packed with features and benefits to help you save. The LuLu credit card offers cardholders a range of special privileges and rewards.
Every purchase you make using your ADCB LuLu Credit Card earns you LuLuPoints. You can redeem your LuLuPoints instantly for vouchers to spend at any LuLu outlet across the UAE. Unlike cash, every spend on your ADCB LuLu Credit Card literally earns you free shopping at LuLu, Al Falah Plaza and Emirates General Market outlets in the UAE!
LuLu Cards are available in Platinum, Titanium and Standard variants.

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  • LuLuPoints

    Your ADCB LuLu card is now more rewarding than ever before. You will now earn a higher rate of LuLuPoints on your non LuLu purchases while you continue to earn upto 5% rewards as LuLuPoints for your purchases at LuLu stores:

     Card Type  Rewards at LuLu
     (per AED 1 purchase)
     Rewards elsewhere
     (per AED 1 purchase)
     Monthly spends goal
     (LuLu & elsewhere)
     Platinum 5 LuLuPoints 1.25 LuLuPoints AED 5,000
     Titanium/Gold 3.5 LuLuPoints 1 LuLuPoint AED 3,500
     Standard 1.5 LuLuPoints 0.5 LuLuPoint AED 1,000

    In addition to using your card at LuLu, maximize your rewards by also making all other purchases on it - like dinning, movies, fuel, utility bills, school fees, etc. In months, when your total purchases on the card are less than the spend goal stated above, all your purchases will still earn rewards at 1.25, 1 & 0.5 LuLuPoints for Platinum, Titanium/Gold and Standard card respectively.

    Redeeming LuLuPoints is simple.

    Just present your ADCB LuLu Credit Card at the checkout counters in LuLu stores and your points can be redeemed instantly.

    LuLuPoints can be redeemed for as low as 5,000 Points and with supplementary cards as well.

  • Exclusive Rewards And Lifestyle Benefits

    Complimentary Lounge Access

    Travel with your ADCB LuLu Platinum Credit Card and enjoy a richer experience than before. As a Platinum Card member, you can enjoy 3 complimentary access annually1 to over 850 premium airport lounges across the many cities where you would like to travel. For online registration of your primary and supplementary cards and to view the latest updated list of lounges, please visit

    For LuLu Platinum Cardholders: enjoy unlimited complimentary access for self2 to over 25 regional and international lounges across UAE, Saudi Arabia, Jordan, Kuwait, Egypt, Morocco, USA, UK, Canada, Germany, France, Singapore, and more.

    For LuLu Titanium Cardholders, unlimited Lounge access in 12 selected Airport Lounges across Middle East including Abu Dhabi, Dubai, Cairo, Amman, Kuwait and Jeddah

    1One year is calculated from the date the customer registered on the Lounge Key website.

    2Guests will be charged at a flat rate of $27 per guest per visit.

    New ComponentBenefits at Ferrari World Abu Dhabi , Yas Waterworld and Warner Brothers World Abu Dhabi.

    Indulge yourself with a host of privileges on tickets, merchandise, food and beverages at Ferrari World Abu Dhabi, Yas Waterworld and Warner Brothers World Abu Dhabi.


    • 15% discount on General Admission Tickets and annual passes purchased at the park ticketing counters.

    • Complimentary Quick Pass worth AED 150 for priority access to rides and attractions for customers holding premium cards (i.e. Platinum, Infinite, World or World Elite Cards) and priority queues at park ticket counters

    • 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

    For more details visit

  • Convenience and Care for your day-to-day needs

    New Component

    Mobile App & Internet Banking
    Manage your credit card account 24/7 with our multi-functional Mobile App and Personal Internet Banking. Pay all your utility bills, mobile phone bills, school & college fee payments, Salik, credit card payments, redeem TouchPoints – all through the comfort of your home or office.

    New Component

    Credit Shield
    An optional insurance plan which covers your card outstanding for upto AED 100,000 against any untoward incidents like Critical Illness, Natural Death, Permanent Total Disablement, Involuntary Loss of Employment at a nominal charge.
    Click here for detailed Terms and Conditions


    Convenient Payment Options
    Your ADCB Credit Card gives you the convenience pay as little as 5% of your outstanding balance each month, and carry forward the balance to the next billing cycle. You can make payments for your card outstanding amount through any of our convenient channels as following:

      Personal Internet Banking- click on the “Credit Card Payment” option under the “Credit Card” menu.

      Mobile Banking App- select your Credit Card which you wish to make payment and choose “Manage your Credit Cards” tab

      Through any of our branches and Cash Deposit Machines

      You can also set- up Auto Debit instructions to make payments from ADCB Savings or Current account. To activate Auto Debit, please call 600 50 2030 or visit your nearest ADCB branch

    Alternatively, you can make payments at ENOC/EPPCO, Al Ansari Exchange, UAE Exchange or at LuLu Exchange branches. A nominal transaction fee of AED 5 per payment transaction will be charged for bill payments through partner payment locations such as exchange houses and ENOC / EPPCO locations.

    New Component

    Balance Transfer
    Save immensely on interest expenses when you transfer your outstanding balances from other bank credit cards to an ADCB credit card. You also earn the flexibility to repay upto 12 months.

    New Component

    Credit Card Loan
    Need cash against your available credit limit? Simply call us and the money will be transferred to your account within 3 working days. Benefit from a low interest rate and repay in easy instalments of upto 24 months.

    New Component

    Installment Plans
    Beat the stress of paying back any of your high value purchases by splitting transactions into easy installment plans at low interest rates and tenors of upto 24 months. At our wide range of partner locations, you can shop and pay back in installments at zero interest charges.

  • Buy 1 Get 1 Offers

    Choose from hundreds of complimentary offers throughout Middle East & Africa across fine dining establishments, premium spas, and more when paying with your ADCB Lulu Credit Card.

    • Complimentary 60 minutes SPA treatment when 60 minutes treatments is purchased
    • Complimentary entrée when one entrée is purchased
    • Complimentary main course when one meal course is purchased

    Download Mastercard Buy 1 Get 1 from the App Store or Google Play Store and register with your card details to get access to over 900 unlimited usage offers.

  • Card Control

    Enjoy complete control of your card transactions and set spend limits with the Card Control feature through the ADCB Mobile App.


    • Set daily spend limits
    • Set monthly spend limits
    • Block all transactions
    • Block online transactions
    • Block in-store transactions
    • Block foreign transactions
    • Block ATM cash withdrawals

    How to use Card Control

    • Login to the ADCB Mobile App
    • Click on ‘My Accounts’ and then ‘Credit Cards’
    • If you have more than one card, select the credit card you would like to control
    • Scroll down and click on 'Card Control Settings'

3 Simple Ways To Apply

Call 600 50 2030
SMS LULU to 2626

All terms and conditions are subject to change without prior notice. All offers are made available on best effort basis and at the sole discretion of ADCB. ADCB makes no warranties and assumes no liability in respect to the products and services provided by the vendors/partners/service providers.

For more information, please call ADCB on 600 50 2030

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