Liv Tamayaz World earns 10% at Union Coop — the highest store-specific grocery rate in the UAE. Liv Tamayaz Platinum earns 6% with no annual fee. For general grocery cashback that also works at Union Coop, Emirates Islamic Cashback Plus earns up to 10% at all supermarkets.
Best Credit Cards for Union Coop UAE
Compare UAE credit cards for Union Coop: Liv Tamayaz World earns 10% at Union Coop — the highest dedicated grocery rate in the UAE. Plus EI Cashback Plus (10% grocery), FAB Cashback (5%), Dubai First (5%), and other general alternatives.
Last updated: - Updated monthly using latest public card terms and bank data.
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LIV DIGITAL BANK BY EMIRATES NBD
Tamayaz World Credit Card
Welcome Bonus: AED 1,000 equivalent
10% cashback at Union Coop
3% cashback on international spends
LIV DIGITAL BANK BY EMIRATES NBD
Tamayaz Platinum Credit Card
6% cashback at Union Coop
2% on domestic dining and fuel
1% on intl and domestic retail
EMIRATES ISLAMIC
Emirates Islamic Cashback Plus Credit Card
Up to 10% cashback on groceries, education, dining, telecom
Unlimited airport lounge access
2 rounds of complimentary golf per month
Best Credit Cards for Union Coop UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 735 | AED 15,000 | 10% cashback at Union Coop with monthly cap, plus 6% dining, 3% fuel, from AED 15,000 |
| Free | AED 5,000 | 6% at Union Coop, AED 750/month grocery cap, no annual fee |
| AED 299 | AED 12,000 | Up to 10% cashback on groceries at all supermarkets including Union Coop, lounge access, AED 299 annual fee, from AED 12,000 |
 | AED 313.95 (waivable) | AED 5,000 | Up to 8% cashback on spends including grocery, AED 300 annual fee (waived first year), from AED 5,000 |
 | AED 300 | AED 5,000 | 5% cashback on groceries, dining and fashion, AED 300 annual fee, from AED 5,000 |
 | AED 418.95 | AED 5,000 | 5% cashback on groceries, dining and fuel, AED 399 annual fee, from AED 5,000 |
 | AED 383.25 | AED 8,000 | 5% grocery cashback at all supermarkets including Union Coop (needs AED 5,000/month total), from AED 8,000 |
 | AED 617.40 (waivable) | AED 35,000 | Up to 4% cashback on all spend including grocery, no foreign currency fee, tier-based monthly fee, from AED 35,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 735 | AED 15,000 | 10% cashback at Union Coop with monthly cap, plus 6% dining, 3% fuel, from AED 15,000 |
| Free | AED 5,000 | 6% at Union Coop, AED 750/month grocery cap, no annual fee |
| AED 299 | AED 12,000 | Up to 10% cashback on groceries at all supermarkets including Union Coop, lounge access, AED 299 annual fee, from AED 12,000 |
| AED 313.95 (waivable) | AED 5,000 | Up to 8% cashback on spends including grocery, AED 300 annual fee (waived first year), from AED 5,000 |
| AED 300 | AED 5,000 | 5% cashback on groceries, dining and fashion, AED 300 annual fee, from AED 5,000 |
| AED 418.95 | AED 5,000 | 5% cashback on groceries, dining and fuel, AED 399 annual fee, from AED 5,000 |
| AED 383.25 | AED 8,000 | 5% grocery cashback at all supermarkets including Union Coop (needs AED 5,000/month total), from AED 8,000 |
| AED 617.40 (waivable) | AED 35,000 | Up to 4% cashback on all spend including grocery, no foreign currency fee, tier-based monthly fee, from AED 35,000 |
Tamayaz World Credit Card
Annual feeAED 735
Min. salaryAED 15,000
Highlight10% cashback at Union Coop with monthly cap, plus 6% dining, 3% fuel, from AED 15,000
Tamayaz Platinum Credit Card
Annual feeFree
Min. salaryAED 5,000
Highlight6% at Union Coop, AED 750/month grocery cap, no annual fee
Emirates Islamic Cashback Plus Credit Card
Annual feeAED 299
Min. salaryAED 12,000
HighlightUp to 10% cashback on groceries at all supermarkets including Union Coop, lounge access, AED 299 annual fee, from AED 12,000
Emirates Islamic Switch Cashback Credit Card
Annual feeAED 313.95 (waivable)
Min. salaryAED 5,000
HighlightUp to 8% cashback on spends including grocery, AED 300 annual fee (waived first year), from AED 5,000
FAB Cashback Credit Card
Annual feeAED 300
Min. salaryAED 5,000
Highlight5% cashback on groceries, dining and fashion, AED 300 annual fee, from AED 5,000
Dubai First Cashback Credit Card
Annual feeAED 418.95
Min. salaryAED 5,000
Highlight5% cashback on groceries, dining and fuel, AED 399 annual fee, from AED 5,000
ADCB 365 Cashback Credit Card
Annual feeAED 383.25
Min. salaryAED 8,000
Highlight5% grocery cashback at all supermarkets including Union Coop (needs AED 5,000/month total), from AED 8,000
RAKBANK Elevate Credit Card
Annual feeAED 617.40 (waivable)
Min. salaryAED 35,000
HighlightUp to 4% cashback on all spend including grocery, no foreign currency fee, tier-based monthly fee, from AED 35,000
June Spotlight
Emirates NBD
Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD SHARE Platinum Credit Card
Salary: AED 5,000+
No Annual Fee
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
Why use a credit card at Union Coop
1.
10% at Union Coop — the highest dedicated grocery earn rate in the UAE
Liv Tamayaz World earns 10% cashback-equivalent at Union Coop, making it the most rewarding card for concentrated grocery spend at this cooperative.
2.
Two Liv Tamayaz tiers for different salary levels
Tamayaz World (AED 15K) and Tamayaz Platinum (no annual fee) both target Union Coop shoppers. Tamayaz Platinum earns 6% and is accessible without the premium salary requirement.
3.
General grocery cards earn at Union Coop and across all chains
EI Cashback Plus (up to 10% grocery), FAB Cashback and Dubai First (5% grocery) all work at Union Coop and every other supermarket — better for shoppers who don't exclusively shop at Union Coop.
How to choose the right card for Union Coop
1.
Frequent Union Coop shoppers: Liv Tamayaz is the clear choice
10% (or 6% at the free tier) is hard to beat for grocery spend concentrated at a single chain. The dedicated earn structure far outperforms general grocery cards for in-store Union Coop spend.
2.
Mixed grocery shopper: EI Cashback Plus or ADCB 365
EI Cashback Plus (up to 10% grocery) and ADCB 365 (5% grocery) both earn at Union Coop and every other UAE supermarket — better if your spending is spread across chains.
8 cards in the UAE
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LIV DIGITAL BANK BY EMIRATES NBD
Tamayaz World Credit Card
Salary: AED 15,000+
Annual Fee: AED 735
Welcome Bonus: AED 1,000 equivalent
10% cashback at Union Coop
3% cashback on international spends
LIV DIGITAL BANK BY EMIRATES NBD
Tamayaz Platinum Credit Card
Salary: AED 5,000+
Free for life
6% cashback at Union Coop
2% on domestic dining and fuel
1% on intl and domestic retail
EMIRATES ISLAMIC
Emirates Islamic Cashback Plus Credit Card
Salary: AED 12,000+
Annual Fee: AED 299
Up to 10% cashback on groceries, education, dining, telecom
Unlimited airport lounge access
2 rounds of complimentary golf per month
EMIRATES ISLAMIC
Emirates Islamic Switch Cashback Credit Card
Salary: AED 5,000+
No Annual Fee for the first year
Welcome Offer: AED 500 Cashback points
Up to 8% cashback on your spends
Switch between Lifestyle or Travel cashback category
FIRST ABU DHABI BANK (FAB)
FAB Cashback Credit Card
Salary: AED 5,000+
Annual Fee: AED 300
5% cashback on fashion, dining, groceries
3% cashback on international spends
1% cashback on other retail spends
DUBAI FIRST
Dubai First Cashback Credit Card
Salary: AED 5,000+
Annual Fee: AED 418.95
5% Cashback on groceries, dining and fuel
0.50% Cashback on international and domestic retail spends
Instant Cashback Redemption
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
Salary: AED 8,000+
Annual Fee: AED 383.25
6% cashback on dining (including online food orders)
5% cashback on groceries
3% cashback on utilities, telecom, fuel and Salik
RAKBANK
RAKBANK Elevate Credit Card
Salary: AED 35,000+
Tier-based Monthly Fee
Up to 4% cashback on all your spends
Up to 3% value back on airline and hotel reward redemption
No Foreign Currency Fee
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000–35,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 5,000–35,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best Credit Cards for Union Coop UAE
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