Emirates NBD · Mastercard
Emirates NBD Lulu Titanium
UAE credit card with up to 5% rewards. No annual fee.
Reward rates by category
| Category | Effective Rate | Monthly Cap | Notes |
|---|---|---|---|
| Groceries | 5% pts equiv. | AED 3,000 /mo | 5% at Lulu Hypermarket locations |
| Online Shopping | 2% pts equiv. | AED 1,500 /mo | 2% on online shopping |
| Fuel | 2% pts equiv. | AED 500 /mo | 2% cashback on fuel |
| Everyday | 1% pts equiv. | No cap | 1% on all other spend |
Rates are approximate — verify with Emirates NBD before applying.
Rates shown are based on publicly available information as of 2026-05-02. Verify current rates with Emirates NBD before applying. Reward rates, monthly caps, and fee waivers change without notice. This page is informational only and does not constitute financial advice.
Key benefits
- 5% back at Lulu Hypermarket — highest grocery rate available
- No annual fee
- Co-branded benefits at all Lulu outlets across UAE
- Lulu vouchers redeemable in-store
- Discount on Lulu online shopping
Where this card excels
This card ranks in the top 3 for the following UAE merchants: