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Co-brand rewards
ADCB
LULU Platinum Credit Card
No salary transfer needed
Min. salary
AED 8,000
Annual fee
AED 0
Monthly rate
3.69%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
54.5%
Free for life
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 8,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- 8 LuLu Points per AED 1 spent at LuLu stores (8% back)
- Up to 1.25 LuLu Points per AED 1 on all other spends
- 0.2 points per AED 1 on fuel, education, government services, real estate, telecommunications, charity and transport
- 0.4 points per AED 1 at supermarkets, auto dealers, insurance and quick service restaurants
- 0.4 points per AED 1 on purchases in the UK & Europe
- Instant redemption at LuLu stores; every 5,000 LuLu Points worth AED 50
- Buy 1 Get 1 free movie tickets at Reel Cinemas (up to 2 per month) plus 20% off food and beverages at the counter
- 4 complimentary airport lounge visits per year at 25+ lounges worldwide for primary and supplementary cardholders
- 20% off one talabat grocery or food order per month (capped at AED 14)
- 0% Interest Payment Plan on school fees
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.