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Rewards Mechanism

  • For every 1 AED:
    – 3.5 LuLuPoints on purchases made at LuLu stores.
    – 0.2 LuLuPoints on fuel, education, government services, real estate, telecom, charity and transport transactions.
    – 0.4 LuLuPoints on spends at other supermarkets, auto dealers, insurance providers and quick‑service (fast‑food) restaurants.

Why We Choose It

  • Free for life credit card.
  • The card is a great choice for Lulu frequent visitors especially with Lulu wow Wednesday.
  • Lounge access with a free for life card offers a great value.

Welcoming Gift/Bonus

Currently, no welcome bonus is available.

Annual Fee (inclusive of Vat)

Free For Life

Minimum Salary Requirement

AED 5,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.69%

Rewards program

LuLu Points.

Reward Mechanism:
  • For every 1 AED:
    – 3.5 LuLuPoints on purchases made at LuLu stores.
    – 0.2 LuLuPoints on fuel, education, government services, real estate, telecom, charity and transport transactions.
    – 0.4 LuLuPoints on spends at other supermarkets, auto dealers, insurance providers and quick‑service (fast‑food) restaurants.

Redeem points:

Redeem at any LuLu stores across the UAE for as low as 5,000 LuLu Points worth AED 50.

Key benefits

  • Lounge access for the cardholder.
  • LuLu WOW Wednesday: 15% off up to AED 50 and free home delivery when you shop for a minimum of AED 100 at luluhypermarket.com or on the LuLu App UAE with your Credit Card.
  • 20% off grocery or food orders once a month on Talabat.
  • Buy 1 Get 1 Free offers on dining, premium spas and more through the Mastercard platform for LuLu Titanium

Other benefits

  • Buy 1 Get 1 Free movie tickets at Reel Cinemas with eligible ADCB LuLu credit cards, subject to ADCB’s cinema offer terms and monthly usage limits.

Why We Choose It

  • Free for life credit card.
  • The card is a great choice for Lulu frequent visitors especially with Lulu wow Wednesday.
  • Lounge access with a free for life card offers a great value.

What We Did Not Like

  • ADCB Lulu Platinum card offer higher earning ratins of Lulupoints.

You ask, we answer

we help you figure out which UAE credit card actually fits your spending, instead of whichever one has the biggest ad budget. Answer a few quick questions about your income and how you spend, and we’ll show you up to three cards that genuinely make sense for you: fees, eligibility, rewards, all of it laid out. One thing worth knowing upfront, we’re not a bank. We don’t issue cards or lend money. You apply straight with whichever bank you pick.

We go through the published fees, minimum salary requirements, rewards rates, cashback caps, lounge access and annual costs for cards across UAE banks, category by category — and we keep this updated as banks change their terms. Worth flagging too: some of the banks on our site do have a commercial relationship with us. It doesn’t change what we recommend or how we rank anything. More on that below, under “Is CardsMatcher free?”

Start with the matching survey. It only takes a few minutes and gets you your top card matches. After that, have a browse through our Financial Wellbeing articles. They’re UAE specific and practical, so whichever card you end up with, you’ll actually know how to get the most out of it.

We’ll look over your answers and get back to you within 3 business days with up to three cards that fit your profile. That’s it, no runaround.

Yes, completely. Matching, comparing, browsing, none of it costs you anything. Here’s how we actually make money: some banks pay us when you apply for a card through our site. That’s the whole model. It doesn’t touch which cards we show you or how we rank them. The two are kept separate on purpose.

Yes. Your survey answers exist for one reason, to generate your matches. We’re not selling your personal data, and it doesn’t go to a bank or anyone else unless you decide to move forward with an application yourself. We do use aggregated, anonymized data, things like which types of cards people are searching for, to build market insights, and we may share or sell these reports to banking partners. No individual’s details are ever included in them. If you want the full detail, it’s all in our Privacy Policy.

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*Every response helps us better understand saving behaviors in the UAE and build smarter financial tools for everyone.