Tamayaz World Credit Card

The Tamayaz World Credit Card is Emirates NBD's premium Tamayaz card, issued by Liv. You earn cashback as Tamayaz Points on every spend: 10% equivalent at Union Coop, 3% on international spending, 2% on domestic dining and fuel, and 1% on all other domestic retail. Earnings are capped at AED 1,500 per month — double the Tamayaz Platinum cap.

Apply for the Tamayaz World Credit Card online via the Liv X app or the Emirates NBD apply portal. Eligibility: UAE resident aged 21+, minimum monthly salary AED 15,000, valid Emirates ID and passport. The card has an AED 735 annual fee (and AED 735 joining fee) — both VAT-inclusive.

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

Yes. Liv Tamayaz World, ENBD Tamayaz World, and Emirates NBD Tamayaz World Mastercard all refer to the same card. Liv is the digital banking arm of Emirates NBD and issues this card under the Tamayaz loyalty programme.

Pick Tamayaz World if your salary is AED 15,000+, you spend AED 500+ per month at Union Coop, and you want the higher 10% Union Coop rate, 3% international cashback, AED 1,500 monthly cap, and the AED 1,000 welcome bonus. Pick Tamayaz Platinum if your salary is below AED 15,000 or you want a free-for-life card with 6% Union Coop cashback and no annual fee.

Yes. Both the joining fee and annual maintenance fee are AED 700+VAT (AED 735 total) each. The joining fee is charged when the card is issued, and the annual fee is charged every year.

Tamayaz World and World Elite cardholders can earn up to AED 1,500 per month in cashback equivalent across all eligible spend categories.

Yes. Tamayaz World cardholders receive a welcome bonus of AED 1,000 upon spending AED 40,000 within 60 days of card activation. The bonus is credited to your Tamayaz membership account within 4 weeks of meeting the criteria.

Cashback earned 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 them at Union Cooperative stores or online.

Yes. If you already have a Tamayaz Loyalty account, your membership ID will be linked during the card application. If you don't have one, a new Tamayaz account will be created automatically when you apply.

While the World Card is available to eligible customers to apply for on the app, World Elite is available only to premium customers on a bank-invite basis. The card benefits are the same for both currently — the main difference is in Mastercard-level perks.

Yes. You can now hold two Liv credit cards — a Cashback or Cashback+ card alongside a Liv Tamayaz Credit Card.

Yes. As per Union Cooperative's policy, Tamayaz Points expire on 31st December every year. Any unused points will no longer be available for redemption after that date.

Yes. Tamayaz World cardholders get 3 B1G1 movie tickets per month at VOX Cinemas — including premium screens like 4DX, Premier MOE, and Preferred View — plus 25% discount on a single F&B item.