Best Credit Cards for LuLu Hypermarkets

LuLu Hypermarket is popular for shopping for groceries, household items, everyday essentials, and electronics. Using a credit card for shopping at LuLu stores can help you earn points, rewards, and even cashback. You can find the best LuLu co-branded cards and regular cards for your LuLu shopping sprees on Paisabazaar.ae. ...read more

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Airport Lounge
Shopping Benefits
Fuel benefits
Movie Discounts

Cashback up to AED 2,000
Rewards + Welcome Offers
No Annual Fee
Travel benefits
Dining Discounts
Entertainment Benefits

Written By

Tanvi PathakTeam Lead Writer (Expertise - Banking )

Reviewed By

Brijesh KumarCBO, Paisabazaar.ae

Last updated on 19 August 2026Editorial Standards

Table of Content

Best LuLu Credit Cards in UAE
About LuLu Hypermarket
Why Use a Credit Card at LuLu Hypermarket?
LuLu Co-branded vs General Cashback Credit Card
Is LuLu Credit Card the Right Choice?
Why Compare LuLu Credit Cards with Paisabazaar.ae?

Best LuLu Credit Cards in UAE

Here are the best credit cards for LuLu Hypermarkets in UAE:

Credit Card	Annual Fees	Minimum Monthly Salary	Why It Stands Out
ADCB LuLu Platinum Credit Card	Free for Life	AED 8,000	8 LuLu Points for every AED 1 spent at LuLu stores Up to 1.25 LuLu Points for every AED 1 spent on other spending
FAB Cashback Credit Card	AED 300	AED 5,000	5% cashback on supermarket spending with a monthly cap of AED 150
Dubai First Cashback Credit Card	AED 399	AED 5,000	5% cashback on spending at the supermarket, including supermarket spending online
Emirates NBD LuLu 247 Platinum Credit Card	AED 262.5	AED 12,000	7% LuLu points on LuLu in-store and online spending Welcome offer of 500 LuLu Points Special member benefits at LuLu like priority checking, early access to sales and promotions, free shipping on shopping online with LuLu
ADCB 365 Cashback Credit Card	Free for the 1st year, AED 383.23 starting the 2nd year	AED 5,000	3% cashback on groceries and supermarket spends

Disclaimer: The cards’ cashback, discounts, and deals on shopping at LuLu stores are subject to change.

About LuLu Hypermarket

LuLu is the UAE’s leading, pan-GCC grocery retailer. It has 252 stores across 3 formats - mini markets, express stores, and hypermarkets.
The LuLu Hypermarkets have extensive counters, spacious parking spaces, play areas for children, money exchange, bank counters, and food courts.
These hypermarkets offer everything from groceries, household items, and electronics to everyday essentials.
LuLu Retail also has a strong online presence through its own website and mobile apps, as well as partnerships with leading aggregators like Amazon, Talabat, Snoonu, and HungerStation.

Why Use a Credit Card at LuLu Hypermarket?

With co-branded LuLu credit cards like ADCB LuLu Platinum, you can earn higher reward rates at LuLu stores
Convert LuLu points or cashback earned on groceries instantly
You get exclusive discounts if you use LuLu Mastercard credit cards

LuLu Co-branded vs General Cashback Credit Card

A LuLu credit card offers high, specific rewards of up to 7% to 8% only at LuLu stores. On the other hand, a general cashback card is more flexible but offers low, flat-rate, or tiered cash rewards across all supermarkets, dining, and utility spends worldwide.

Here’s a table summarising the differences between LuLu co-branded and general cashback credit cards.

Feature	LuLu Credit Cards	General Cashback Cards
Maximum Grocery Reward Rate	7% to 8% (exclusively at LuLu stores)	3% to 5% (any supermarket)
Non-LuLu Spend Rate	Low (usually 0.5% to 1%)	Consistent rate
Reward Type	LuLu points	Cashback/statement credits
Redemption Choice	Can be redeemed only at LuLu stores	Flexible redemption
Best For	Exclusive to LuLu shoppers	Multi-store shoppers seeking cash flexibility

Is LuLu Credit Card the Right Choice?

A LuLu co-branded credit card is a suitable choice if you shop frequently at LuLu Hypermarkets for groceries and household needs. But if you mostly shop at stores other than LuLu, you can go for a general card.

When is a LuLu Co-branded Card the Right Choice?

You do bulk grocery and household shopping online or at a physical LuLu hypermarket
You want a free-for-life card with no annual charge
You want direct, instant redemption of the accumulated LuLu Points at the checkout counter
You want bundled secondary perks like movie ticket discounts or select regional airport lounge access

When is It Not the Right Choice?

If you rarely shop at LuLu stores, the rewards earned on LuLu transactions are lower than general dedicated cashback cards. In such a situation, a LuLu credit card is not a good idea.

Why Compare LuLu Credit Cards with Paisabazaar.ae?

Paisabazaar.ae helps you compare the best LuLu credit cards based on rewards, salary requirements, annual charges, and additional benefits. The platform also makes the application process pretty simple.

Compare credit cards based on your rewards, income, and spending patterns
Check which card aligns with your lifestyle
Before finalising, understand the difference between co-branded LuLu and general cashback credit cards on Paisabazaar.ae

Make an informed decision before applying!

Frequently Asked Questions

There is no one best card. It largely depends on your salary, spending and lifestyle. It also depends on how frequently you shop at LuLu Hypermarket.

You can use only eligible LuLu Points to buy at LuLu stores. The redemption depends on the bank’s rules and the available balance of points.

LuLu Points work like cashback; you can redeem them against qualifying LuLu purchases. However, they are not as flexible as cashback.

Yes, you can apply for this credit card given you spend significantly at LuLu stores. However, before applying, compare the card’s annual fee, eligibility, and rewards programme with a general cashback card.

There is no one bank that offers the best LuLu credit cards. While ADCB and Emirates NBD offer LuLu co-branded cards, you need to understand your salary and spending patterns before applying.