MoneyVS

ADCB LuLu Platinum vs ENBD LuLu 247 Platinum

Two shopping cards compared on the things that decide which one pays you back.

ADCB ADCB LuLu Platinum Credit Card
ADCBADCB LuLu Platinum Credit Card
Emirates NBD LuLu 247 Platinum Credit Card
Emirates NBDLuLu 247 Platinum Credit Card

Key differences

  • ADCB LuLu Platinum is cheaper to keep: Free for life a year against AED 262.5.
  • ADCB LuLu Platinum has the lower salary requirement (AED 8,000 vs AED 12,000).
  • ADCB LuLu Platinum headline: 8% back as LuLu Points at LuLu, no minimum spend. ENBD LuLu 247 Platinum headline: 7% back as LuLu Points at LuLu in-store and online.
  • Welcome bonus spend: ADCB LuLu Platinum: no bonus listed; ENBD LuLu 247 Platinum: AED 8k in 60 days.

Which should you choose?

Choose ADCB LuLu Platinum if

LuLu shoppers earning AED 8,000+.

Watch out: Low rates on groceries, fuel and bills outside LuLu.

Choose ENBD LuLu 247 Platinum if

Families who do most of their grocery shopping at LuLu.

Watch out: Only 0.7% on other spend, and an AED 262.50 fee.

Side by side

ADCB LuLu PlatinumENBD LuLu 247 Platinum
BankADCBEmirates NBD
Annual feeFree for lifeNo annual fee, everAED 262.5Joining fee AED 525, annual fee AED 262.50
Fee waiverNot neededNone
Minimum salaryAED 8,000AED 12,000
Who can applyAnyone who meets the salaryAnyone who meets the salary
Welcome bonusNone listed
  • 250 LuLu PointsPay the joining fee and make a first purchase
  • 250 LuLu PointsSpend AED 8,000 within 60 days
Top rates needNo minimumNo minimum
Reward capNone statedNone stated
What you earn
  • 8% back as LuLu Points at LuLu, no minimum spend
  • Up to 1.25% on other spend
  • 0.4% on groceries and fast food elsewhere, 0.2% on fuel and bills
  • 7% back as LuLu Points at LuLu in-store and online
  • 4% on fuel
  • 2% on utility bills
  • 0.7% on other spend
BenefitsAirport lounges, Cinema offersAirport lounges, Cinema offers, Valet parking, 0% balance transfer
IslamicNoNo
View on ADCB siteView on ENBD site

Both cards checked against the banks' own pages on 21 Oct 2026. Information only, not financial advice.

Questions people ask

What's the difference between ADCB LuLu Platinum and ENBD LuLu 247 Platinum?

ADCB LuLu Platinum is cheaper to keep: Free for life a year against AED 262.5. ADCB LuLu Platinum has the lower salary requirement (AED 8,000 vs AED 12,000). ADCB LuLu Platinum headline: 8% back as LuLu Points at LuLu, no minimum spend. ENBD LuLu 247 Platinum headline: 7% back as LuLu Points at LuLu in-store and online. Welcome bonus spend: ADCB LuLu Platinum: no bonus listed; ENBD LuLu 247 Platinum: AED 8k in 60 days.

Which has the lower annual fee, ADCB LuLu Platinum or ENBD LuLu 247 Platinum?

ADCB LuLu Platinum (Free for life). ENBD LuLu 247 Platinum costs AED 262.5.