Best Tamayaz Credit Cards — Best Grocery Cashback at Union Coop in the UAE

The Tamayaz Credit Cards are Emirates NBD's loyalty-linked cashback cards, issued by Liv. Tamayaz Platinum earns 6% equivalent at Union Coop and 2% on domestic dining and fuel; Tamayaz World earns 10% at Union Coop, 3% international, and 2% on domestic dining and fuel. Rewards are credited as Tamayaz Points redeemable at Union Coop.

Apply for any Tamayaz Credit Card online via the Liv X app or the Emirates NBD apply portal. Eligibility: UAE resident aged 21+, minimum monthly salary AED 5,000 for Platinum or AED 15,000 for World, valid Emirates ID, and a verifiable UAE mobile number.

Cashback earned on Tamayaz cards is automatically converted to Tamayaz Points and flushed to your Tamayaz Loyalty account at the end of every billing cycle. You need a minimum of 1,000 Tamayaz Points to redeem. Points can be redeemed at any Union Coop store in the UAE or on the Union Coop online shop. Points expire on 31st December every year.

Pick Tamayaz Platinum if your salary is below AED 15,000 or you spend less than AED 500/month at Union Coop — it's free for life with 6% Union Coop cashback. Pick Tamayaz World if you spend AED 500+/month at Union Coop, earn AED 15,000+, and want the 10% rate, AED 1,500/month cap, and welcome bonus (worth the AED 735 annual fee).

Both. Liv is the digital banking arm of Emirates NBD, so Tamayaz cards are issued by Emirates NBD under the Liv brand. You'll see them referenced as 'Liv Tamayaz', 'ENBD Tamayaz', or 'Emirates NBD Tamayaz' — they're the same products.

For Union Coop shoppers, the Liv Tamayaz cards offer the highest grocery cashback in the UAE: 6% on Tamayaz Platinum (free for life) and 10% on Tamayaz World (AED 735 annual fee, AED 1,500 monthly cap). Both are issued by Emirates NBD under the Liv brand. Most other UAE bank cards offer 1–3% on grocery spend, so the Tamayaz cards are the standout choice if you shop at Union Coop.

The Tamayaz Platinum and Tamayaz World are the only credit cards in the UAE with a direct Union Coop loyalty partnership — cashback is converted to Tamayaz Points redeemable at any Union Coop store. Pick Platinum for free 6% returns; pick World for 10% if you spend AED 500+ per month on groceries.

The bonus rates (6–10%) apply specifically at Union Coop stores. Other supermarkets earn the standard cashback rate, which is lower. If you don't shop at Union Coop regularly, consider a broader grocery cashback card instead.

If you spend more than AED 500/month at Union Coop, the World card's 10% rate (vs 6% on Platinum) earns back the AED 735 annual fee within a year. Below AED 500/month, the free Platinum is better value.

Yes. You need a Tamayaz Loyalty account to apply for either card. If you don't have one, it will be created automatically during the card application process.

Yes. Tamayaz Points expire on 31st December every year. Points accumulated after 15th December will be flushed in the January billing cycle.