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CashbackMastercard
Liv
Tamayaz Platinum Credit Card
No salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 0
Monthly rate
3.49%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
50.9%
Free for life
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life
- Monthly rate
- 3.49%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 50.9%
- Minimum salary
- AED 5,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- 6% cashback as Tamayaz Points on all Union Coop spends, in-store and online
- 2% cashback on domestic fuel and dining spends (restaurants and deliveries)
- 1% on international spends; 1% on other domestic spends; 0.1% on government and utility spends
- Cashback capped at AED 750 per month
- Free for life: no joining fee and no annual fee
- Airport lounge access at 25+ airports
- VOX Cinemas: 2 tickets per month + 25% off F&B; Talabat: 20% off on 1 food or grocery order every month
- Cashback auto-converts to Tamayaz Points redeemable at Union Coop (Tamayaz Silver: 80 points = AED 1, Gold: 60 points = AED 1); minimum 1,000 points to redeem
- Tamayaz Points expire on 31 December every year
- No welcome bonus (the AED 1,000 bonus is exclusive to Tamayaz World cardholders)
- LivMyBrew coffee club offers across 50+ cafes in the UAE
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.