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Rewards Mechanism

  • For every 1 AED:
    – 3.5 Lulupoints for spending at Lulu stores.
    – 0.2 Lulupoints for spending on fuel, education, government services, real estate, telecommunication, charity, and transport.
    – 0.4 Lulupoints for spending on supermarkets, auto dealers, insurance, and quick-service restaurants (e.g., 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

No Welcoming 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 for spending at Lulu stores.
    – 0.2 Lulupoints for spending on fuel, education, government services, real estate, telecommunication, charity, and transport.
    – 0.4 Lulupoints for spending on supermarkets, auto dealers, insurance, and quick-service restaurants (e.g., 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 1 person.
  •  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 master card offer.

Other benefits

  • Buy 1 Get 1 Free movie ticket at Reel Cinemas.

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

At CardsMatcher, our goal is to help people take control of their financial health and achieve their financial aspirations. We began with credit card matching, but we are committed to supporting individuals across the UAE in leading a financially healthy lifestyle, making informed decisions, and overcoming financial insecurity

Our reviews and ratings are based on competitive intelligence analysis, which compares UAE credit cards across various categories. We use different simulation techniques to identify the top cards for each category, tailored to different income profiles.

First, complete the “Find Your Card” survey to receive personalized recommendations for the best credit cards suited to your profile. Then, visit our Financial Wellness Library for useful tips and guides on credit cards. Stay tuned, as we plan to expand our coverage to include other banking products in the UAE.

Our team is reviewing your data and working diligently to recommend 3 credit cards that best match your profile. Please allow 3-5 business days for this process.

Yes, our service is entirely free, and we are committed to not charging any participants unless they opt for a private consultation. However, please be aware that we may receive compensation from banks for advertising purposes on our website, but this does not influence the recommendations we provide.

Yes, your privacy and security are our top priority. We ensure that your data is handled with the utmost care. We never share your information with third parties without your consent.

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