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.
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.
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.
350 AED
Monthly Tamayaz value (AED)
Annual value 4,200 AED at this spending mix.
Groceries and shopping at Union Coop, in-store or online (10% earn rate).
Everyday domestic spend outside Union Coop (1% earn rate).
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.
Tamayaz World FAQ
Get answers to common questions about credit cards, applications, and managing your finances in the UAE
Ready to start earning?
Pre-apply for the Liv Tamayaz World Credit Card in 2 minutes — no commitment, no AECB credit-score impact.