The LuLu 247 Titanium is the entry-level half of Emirates NBD’s co-branded Mastercard pair with LuLu Hypermarkets — a free-for-life card that opens LuLu cashback to households on modest salaries who still do their weekly shop at LuLu.
- Annual fee
- Free
- Min salary
- AED 5,000/mo
- Top earn rate
- 3.5% Groceries
Pros
- 3.5% back as LuLu Points on LuLu in-store and online — strongest UAE grocery rate at this salary band
- AED 5,000 minimum salary is one of the lowest in the ENBD lineup
- Free for life — no annual fee, no spend threshold, no clawback
- 2% on fuel and 1% on utility bills, both paid as LuLu Points
Cons
- 3.5% LuLu rate is half what the Platinum sibling pays on the same shop
- 0.35% on everything outside LuLu, fuel and utilities is the weakest base rate in the ENBD card stack
- LuLu Points only redeem at LuLu — useless if you shop mostly at Carrefour, Spinneys or Union Coop
- No lounge access — Emirates NBD discontinued it on this card from 1 May 2025
Earn rates
All earn is paid as LuLu Points, redeemable 1:1 at the till at any LuLu Hypermarket, LuLu Express or on luluhypermarket.com:
- Groceries
- 3.5%
- Fuel
- 2%
- Utilities
- 1%
- Everything else
- 0.35%
Fee summary
The card is free for life — AED 0 annual fee, no spend threshold, no clawback. The costs that bite are a 1.99% foreign-currency fee and a 3.69% monthly interest rate if you revolve a balance. All published fees include 5% VAT.
LuLu 247 Titanium vs Platinum
The Titanium is the lower-salary sibling. If you can clear AED 12,000 a month on salary, the doubled earn covers the gap easily — twice the LuLu rate, though the Platinum is not free (AED 525 to join, AED 262.50 a year):
| Feature | Titanium | Platinum |
|---|---|---|
| Min salary | AED 5,000 | AED 12,000 |
| LuLu earn rate | 3.5% | 7% |
| Fuel earn rate | 2% | 4% |
| Utilities earn rate | 1% | 2% |
| Other spend earn rate | 0.35% | 0.7% |
| Lounge access | None (ended 1 May 2025) | 1,000+ lounges (Travel Pass) |
| Annual fee | Free for life | AED 262.50 (AED 525 to join) |
What you get — per-benefit value
LuLu Points carry a published face value — 1 point = AED 0.01 at the till — so the earn prices cleanly. Counted against the AED 0 fee (free for life).
3.5% LuLu earn
Value to me: AED 420/year on AED 1,000 a month of LuLu spend; AED 1,260/year at AED 3,000 a month. Half the Platinum’s rate on the identical shop — paid as captive till credit.
Fuel earn
2% as LuLu Points. Value to me: AED 120/year on AED 500 a month of fuel.
Utilities earn
1% as LuLu Points on utility bill payments. Value to me: AED 120/year on AED 1,000 a month of bills.
Lounge access
None. The product page states: “Effective 1st May 2025, Airport Lounge Access will be discontinued.”
Total package: roughly AED 660/year for a household putting AED 1,000 a month through LuLu, AED 500 on fuel and AED 1,000 on bills, against no fee. Every line is upside — but a holder above the AED 12,000 salary bar doubles the two biggest lines by moving to the Platinum at the same AED 0.
Key conditions to know
- LuLu Points redemption
- 1 LuLu Point = AED 0.01 redemption value, used at the till at LuLu Hypermarket and LuLu Express, or at checkout on luluhypermarket.com. No transfers to airlines, hotels or third-party programmes.
- Lounge access
- Discontinued. Emirates NBD’s product page: “Effective 1st May 2025, Airport Lounge Access will be discontinued.”
- Member benefits at LuLu
- Priority checkout, early access to sales and promotions, and free shipping on LuLu online.
- Eligibility
- Minimum monthly salary AED 5,000; UAE residency required; salary transfer not required. Open to salaried and self-employed applicants; minimum age 21.
- Welcome
- No headline welcome bonus on Titanium — Emirates NBD reserves the 500-LuLu-Points opener for the Platinum tier.
Watch out for
- Opportunity cost vs Platinum. You earn half the points the Platinum does on LuLu, fuel and base spend. If your salary clears AED 12,000, the Platinum is the better hold once your LuLu spend clears its AED 262.50 annual fee.
- Captive currency. LuLu Points only redeem inside the LuLu ecosystem. If you shop mostly at Carrefour, Spinneys or Union Coop, a flat-rate cashback card is the simpler hold.
- Weak base earn. 0.35% on spend outside LuLu, fuel and utilities is the lowest base rate in the ENBD card stack — pair this card with a broad cashback card for everything outside groceries and petrol.
- No lounge access. It ended on 1 May 2025; older comparisons that list it are out of date.
Bottom line
The entry-level LuLu co-brand: half the rates of its Platinum sibling, half the salary bar, and unlike the Platinum, free for life. For a LuLu-loyal household earning between AED 5,000 and AED 12,000 a month, this is the card that fits the slot — AED 1,000 of monthly LuLu spend returns AED 35 in points, AED 3,000 returns AED 105. Apply if LuLu is your weekly shop and your salary sits under the AED 12,000 Platinum gate. Skip if you earn above that — the Platinum doubles every meaningful rate for AED 262.50 a year — or if you shop elsewhere.
Pay smart: for everything-else spending outside the LuLu aisles, pair this with a broad-merchant cashback card like the Mashreq Cashback, free for life and paying 1% on everyday UAE and international spend. Newer UAE residents working through the bank-account-and-card setup should start with our expat starter guide.
Live offers from Emirates NBD
Bank-wide offers; each deal lists the cards that qualify.
- Yas Island theme parks — 30% off one-day tickets online with an Emirates NBD card, to 21 December Ends 21 Dec
- Right Bite — 20% off 20, 40 and 60-day meal plans with an Emirates NBD card, to 31 December Ends 31 Dec · Code ENBD20
- Urban Company on noon — 5% back in credits with the Emirates NBD noon One card, through 31 December Ends 31 Dec · Code ENBD
- Zuvees — 15% off flower arrangements with an Emirates NBD Infinite, Signature or World Elite card, to 31 December Ends 31 Dec · Code ENBD15
