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.
See cardsLast updated: - Updated monthly using latest public card terms and bank data.
Plus EI Cashback Plus (10% grocery), FAB Cashback (5%), Dubai First (5%), and other general alternatives.
LIV DIGITAL BANK BY EMIRATES NBD
Tamayaz World Credit Card
≈ AED 18,928 potential value / year · incl. perks
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
≈ AED 9,868 potential value / year · incl. perks
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
≈ AED 10,990 potential value / year · incl. perks
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 313.95 | 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 10,000 | Up to 8% cashback on spends including grocery, AED 300 annual fee (waived first year), from AED 10,000 |
 | AED 315 | 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 | 3% grocery cashback at all supermarkets including Union Coop (needs AED 5,000/month total), from AED 8,000 |
 | AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED; grocery earns the published reduced rate; only Privilege removes the bank FX surcharge, 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 313.95 | 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 10,000 | Up to 8% cashback on spends including grocery, AED 300 annual fee (waived first year), from AED 10,000 |
| AED 315 | 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 | 3% grocery cashback at all supermarkets including Union Coop (needs AED 5,000/month total), from AED 8,000 |
| AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED; grocery earns the published reduced rate; only Privilege removes the bank FX surcharge, 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 313.95
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 10,000
HighlightUp to 8% cashback on spends including grocery, AED 300 annual fee (waived first year), from AED 10,000
FAB Cashback Credit Card
Annual feeAED 315
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
Highlight3% grocery cashback at all supermarkets including Union Coop (needs AED 5,000/month total), from AED 8,000
RAKBANK Elevate Credit Card
Annual feeAED 51.45 (waivable)
Min. salaryAED 35,000
HighlightUp to 4 Rewards points/AED; grocery earns the published reduced rate; only Privilege removes the bank FX surcharge, from AED 35,000
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
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
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
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 (3% grocery) both earn at Union Coop and every other UAE supermarket — useful if your spending is spread across chains.
8 cards in the UAE
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 313.95
- 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 10,000+
- 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 315
- 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 fuel and Salik
- 3% cashback on groceries and supermarkets
RAKBANK
RAKBANK Elevate Credit Card
- Salary: AED 35,000+
- Tier fee from AED 51.45/month
- Up to 4 RAKrewards/AED
- Up to 3.2% travel value
- Privilege: 0% bank FX 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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