Lulu 247 Platinum Credit Card
No salary transfer needed
No standard waiver; joining fee AED 525 in year 1, annual fee AED 262.50 thereafter
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 262.5
- Fee note
- No standard waiver; joining fee AED 525 in year 1, annual fee AED 262.50 thereafter
- 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 12,000
- 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.
What you get.
- LuLu Points: 7% on LuLu in-store and online spends, 4% on fuel, 2% on utility bill payments, 0.7% on all other spends (no minimum spend)
- Welcome offer up to 500 LuLu Points: 250 on joining-fee payment and first transaction + 250 on AED 8,000 spend in first 2 billing statements
- 0% interest balance transfer with no processing fee at onboarding (6 or 12 months)
- Instant LuLu Points redemption at over 70 LuLu stores
- LuLu member benefits: priority checkout, early access to sales, free LuLu online shipping on AED 300+ orders, monthly discounts
- Buy 1 get 1 free on movie tickets
- Complimentary lounge access with Mastercard Travel Pass
- Concierge services and valet parking at selected Abu Dhabi locations
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.