Email Print Minimize font Reset font size Enlarge font

LuLu Co-brand Card

LuLu Co-brand Card

Welcome to the world of ADCB LuLu Credit Card, value-packed with features and benefits that help you save and also give you 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.

Expand all Collapse all

  • 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.

    Please note with effect from 1st July 2014, in any given month, a Cardholder shall only be entitled to LuLuPoints and/ or similar benefits for transactions carried out up to the extent of the assigned Credit Limit on the Card. Transactions exceeding the assigned Credit Limit of the Card shall not be entitled to earn LuLuPoints during that month.

  • Exclusive Rewards And Lifestyle Benefits

    New ComponentComplimentary Lounge Access

    3 Complimentary Lounge visits for LuLu Platinum Cardholders per calendar year. Unlimited Lounge access in 12 selected Airport Lounges across Middle East including Abu Dhabi, Dubai, Cairo, Amman, Kuwait, Jeddah for LuLu Platinum Cards and LuLu Titanium Cardholders.

    For online primary and supplementary card registration and the latest updated list of lounges visit

    New ComponentBenefits at Ferrari World Abu Dhabi and Yas Waterworld

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


    • 15% discount on General Admission Tickets and annual passes

    • 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 and Yas Waterworld, 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.

  • How To Redeem Lulu Points

    What makes LuLuPoints so special is that it is so convenient to redeem and provides maximum savings:

    1. Rather than wait for days for gift vouchers to arrive, you can redeem LuLuPoints instantly while doing your regular shopping at LuLu stores. To redeem your LuLuPoints, simply walk into your nearest LuLu store and approach the Cashier with your ADCB LuLu Credit Card. The approved redemption voucher would be accepted for payment at the store’s cash counters.

    2. It takes less time to enjoy the rewards of loyalty. As an ADCB LuLu Credit Cardholder, you can start redeeming LuLuPoints after accruing just 5,000 points. You can redeem LuLu Points in any denomination as long as there are subject to minimum of 5,000 points and in multiples of 100 thereof.

    3. The redemption of LuLuPoints is not restricted to the primary cardholder only; even supplementary cardholders can redeem LuLuPoints. Thus, both the primary cardholder (i.e. the working member) and supplementary cardholder (i.e. spouse or other family member) would be able to redeem points accumulated on purchases on both the primary and supplementary cards.

    To redeem your LuluPoints, please follow the following steps:

    1. To redeem LuLuPoints, simply walk into your nearest LuLu store and approach the Cashier with your ADCB LuLu Credit Card.

    2. Place a request to redeem LuLuPoints with store staff at the Cashier and mention the number of LuLuPoints you wish to redeem.

    3. Your ADCB LuLu Credit Card would be swiped on a special LuLu Points terminal.

    4. Subject to all satisfactory authorization checks, a redemption voucher would be printed instantly and handed over to you. Such redemption vouchers would be printed on special stationary, and bar-coded for security. The vouchers would be acceptable as accepted for payment at the store’s cash counters.

    5. Besides LuLuPoints redemption, you can also do a Balance Enquiry transaction to check the current LuLuPoints balance on your card account.

    To apply for an ADCB Lulu MasterCard or to find out more, visit our ADCB kiosk at any Lulu outlet in the UAE or call 600 50 2030.

    * Bank terms and conditions apply.

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

  • Call
  • Location
  • Chat

Call - 600 50 2030

SMS - LULU to 2626

Write to Us

I want to: