Guide · 4 min read

Best credit card for Carrefour and LuLu in the UAE (October 2026)

UAE credit cards that earn extra at LuLu and Carrefour: 4 LuLu co-brand cards, 9 SHARE and Carrefour cards, and the best grocery cashback cards for any supermarket.

Two kinds of card pay more at a particular supermarket: co-brand cards that earn the shop’s own points, and cards with an offer at that shop. If you split your shopping between supermarkets, a general grocery cashback card may suit you better. All three are below.

LuLu cards 4

Card	What the bank says about these shops
1. ADCB LuLu Platinum Annual fee: No fee · Min. salary: AED 5,000	8% back on LuLu purchases Monthly LuLu offers 1.25 LuLu Points/AED general spend
2. ADCB LuLu Titanium Annual fee: No fee · Min. salary: AED 5,000	5% back on LuLu purchases Entry-level LuLu ADCB 1 LuLu Point/AED general spend
3. Emirates NBD LuLu 247 Titanium Mastercard Annual fee: No fee · Min. salary: AED 5,000	5% at LuLu Entry-level LuLu card 5% cashback on LuLu purchases
4. Emirates NBD LuLu 247 Platinum Mastercard Annual fee: AED 262.5 · Min. salary: AED 5,000	7% at LuLu Up to 500 bonus LuLu Points Up to 5 LuLu Points/AED at LuLu Hypermarket

Carrefour and SHARE cards 9

Carrefour is part of Majid Al Futtaim, whose reward programme is SHARE.

Card	What the bank says about these shops
1. Abu Dhabi Islamic Bank ADIB SHARE Visa Infinite Annual fee: No fee · Min. salary: AED 15,000	Shariah-compliant SHARE Points 6% at MAF malls & Carrefour UAE-first Islamic SHARE card
2. Abu Dhabi Islamic Bank ADIB SHARE Visa Platinum Annual fee: No fee · Min. salary: AED 8,000	Shariah-compliant SHARE Points 3% at MAF malls & Carrefour UAE-first Islamic SHARE card
3. Emirates NBD SHARE Platinum Annual fee: No fee · Min. salary: AED 15,000	SHARE Points at Mall of Emirates + City Centres 4% back as SHARE Points at Majid Al Futtaim (Carrefour, City Centre malls, VOX), plus up to 3% more through the SHARE app
4. Emirates NBD SHARE Visa Signature Annual fee: No fee · Min. salary: AED 12,000	8% SHARE at MAF malls & Carrefour 8% back in SHARE Points at Mall of the Emirates, City Centres, Carrefour and 500+ stores at Signature tier 2% SHARE Points fuel
5. Citibank Citi Cashback Card Annual fee: AED 300 · Min. salary: AED 8,000	See the card page
6. First Abu Dhabi Bank FAB Islamic Cashback Credit Card Annual fee: AED 300 · Min. salary: AED 5,000	See the card page
7. First Abu Dhabi Bank FAB Cashback Annual fee: AED 315 · Min. salary: AED 5,000	See the card page
8. Emirates NBD SHARE Infinite Annual fee: AED 1,500 · Min. salary: AED 30,000	8% SHARE Points at 18 UAE malls 8% back SHARE Points on shopping/dining/leisure/grocery at 5,000+ stores & 18 malls
9. Emirates NBD SHARE Visa Private Annual fee: AED 1,575 · Min. salary: AED 50,000	8% SHARE 8% SHARE at all MAF destinations + elevated Private tier rates 4% SHARE on fuel

Benefits and store offers are quoted as each bank describes them, verified October 2026. They change often, so check the card page and the bank’s terms.

Best grocery cashback, at any supermarket

Card	Groceries rate
1. Commercial Bank of Dubai CBD Super Saver Annual fee: AED 420 · Min. salary: AED 5,000 Small print: Advertised as 'up to 10%' on bills, education, supermarkets and fuel. Cashback is capped at AED 600 a month (CBD).	10%
2. RAKBANK World Mastercard Annual fee: AED 997.5 · Min. salary: AED 20,000 Small print: No cashback unless you spend AED 10,000 in the statement cycle. The 10% categories are capped: supermarkets and dining AED 300 each, travel and hotels AED 400, AED 1,000 combined (RAKBANK).	10%
3. Al Hilal Bank Cashback Credit Card Annual fee: No fee · Min. salary: AED 5,000 Small print: 5% only on the 2 categories you choose. Pick from grocery, education, fuel, international and dining; everything else earns 1%. Capped at AED 500 a month (Al Hilal Bank).	5%
4. RAKBANK Titanium Cashback Annual fee: No fee · Min. salary: AED 8,000 Small print: No cashback in a month you spend under AED 2,000. Each category is capped at AED 100 a month, with supermarkets, dining, cinema and streaming AED 400 combined (RAKBANK).	5%
5. First Abu Dhabi Bank FAB Islamic Cashback Credit Card Annual fee: AED 300 · Min. salary: AED 5,000 Small print: 5% cashback (capped AED 300/mo UAE Nationals, AED 200/mo expats) on grocery, fuel & dining · 5% fuel cashback (included in AED 200-300 monthly cap)	5%

The full ranking is on best credit card for groceries.

Frequently asked questions

Which credit card is best for LuLu?

The LuLu co-brand cards: ADCB LuLu Platinum, ADCB LuLu Titanium, Emirates NBD LuLu 247 Titanium Mastercard and Emirates NBD LuLu 247 Platinum Mastercard. They earn LuLu Points on LuLu shopping; the rate for each is quoted above as the bank describes it.

Which credit card is best for Carrefour?

Cards that earn SHARE Points or name Carrefour in their offers: Abu Dhabi Islamic Bank ADIB SHARE Visa Infinite, Abu Dhabi Islamic Bank ADIB SHARE Visa Platinum, Emirates NBD SHARE Platinum, Emirates NBD SHARE Visa Signature, Citibank Citi Cashback Card and 4 more. Carrefour belongs to Majid Al Futtaim, so SHARE cards usually earn more there than elsewhere.

Are LuLu Points and SHARE Points the same as cashback?

No. They are paid in the shop’s own points, which you spend at that shop group. That’s worth it if you shop there anyway. If you’d rather have dirhams you can use anywhere, a grocery cashback card is simpler.

I shop at both. Which card should I use?

A general grocery cashback card pays at any supermarket. The highest grocery cashback rate we track is 10% on the Commercial Bank of Dubai CBD Super Saver (annual fee: AED 420). Its small print: “Advertised as 'up to 10%' on bills, education, supermarkets and fuel. Cashback is capped at AED 600 a month (CBD)”.

Keep going

Figures come from the CardMax catalogue of 114 UAE credit cards, taken from each bank’s published terms and checked up to 25 Oct 2026. They update automatically whenever the catalogue changes. Terms change often, so confirm on the bank’s site before you apply. How we rank.