10% back as Tamayaz Points on Union Coop spend, in-store and online. Points are credited to the Liv app at a 1:1 default AED value against Liv-app spending categories. Total monthly rewards are capped at AED 1,500 cashback-equivalent.
- Joining Fee
- AED 735
- Annual Fee
- AED 735
- Minimum Salary
- AED 15,000
Do your big grocery shop at Union Coop?
Earn 10% back at Union Coop — as Tamayaz Points.
Built for UAE-salaried households that shop Union Coop. Earn 10% back as Tamayaz Points at Union Coop (in-store and online), 3% on international spend and 1% on everyday domestic spend — capped at AED 1,500/month. From AED 15,000 salary.
Built for UAE-salaried households that shop Union Coop. Earn 10% back as Tamayaz Points at Union Coop (in-store and online), 3% on international spend and 1% on everyday domestic spend — capped at AED 1,500/month. From AED 15,000 salary.
Why this card wins at Union Coop
1.
10% back at Union Coop — as Tamayaz Points
Every dirham at Union Coop earns 10% back as Tamayaz Points, in-store and online. A AED 3,000/month Union Coop shop returns AED 300 in monthly value — the highest published Union Coop rate on a UAE card.
2.
Tamayaz Points managed in the Liv app
Rewards accrue as Tamayaz Points and are managed entirely in the Liv app, redeemable against Liv-app spending categories at a 1:1 default value — no separate portal.
3.
800+ airport lounges plus 3% on international spend
Access to 800+ airport lounges worldwide, plus 3% back as Tamayaz Points on international spend — useful for a household that travels and shops abroad.
4.
Fee pays back for regular Union Coop shoppers
Year one is AED 735 joining + AED 735 annual. At 10% on Union Coop, a regular grocery habit clears the fee well inside the year — use the calculator to check your own break-even.
Is this card right for you?
Quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with stable salary (AED 15,000+)
AED 15,000 monthly salary credited to a UAE bank account, with clean employer documentation and a valid Emirates ID and residence visa.
Shops Union Coop regularly
The 10% rate is concentrated on Union Coop spend. If most of your grocery budget sits elsewhere, the no-fee Tamayaz Platinum (6% at Union Coop) may earn more net of fees — compare both before applying.
Spends enough to clear the annual fee
Year one costs AED 735 joining + AED 735 annual. At 10% on Union Coop the fee pays back quickly for a regular shopper, but a light basket may not — run your numbers below.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments or red flags on your AECB report. A recent decline or arrears is the top reason a UAE card application stalls.
Model your monthly Tamayaz rewards
Set your typical monthly Union Coop and other spend. We'll model the Tamayaz Points value you'd earn under the AED 1,500/month cap.
7,548 AED
Per Year
Cashback 4,200 AED + perks 3,348 AED at this spending mix.
Spend categories
Card perks
Tamayaz World FAQ
Get answers to common questions about credit cards, applications, and managing your finances in the UAE
Ready to start earning?
Check your eligibility for the Liv Tamayaz World Credit Card in 2 minutes — with no commitment and no impact on your AECB credit score.