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Emirates NBD
Lulu 247 Titanium Credit Card
No salary transfer needed
Min. salary
AED 5,000
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 5,000
- 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.
- LuLu Points: 3.5% on LuLu in-store and online spends, 2% on fuel, 1% on utility bill payments, 0.35% on all other spends
- Welcome offer: 0% interest balance transfer with no processing fee (6 or 12 months tenure)
- Instant LuLu Points redemption at over 70 LuLu stores
- LuLu member benefits: priority checkout, early access to sales and promotions, free LuLu online shipping on AED 300+ orders, monthly discounts
- Free-for-life card with AED 5,000 minimum salary
- Note: Mastercard Travel Pass airport lounge access discontinued effective 1 May 2025
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.