Tamayaz World Credit Card
No salary transfer needed
No standard waiver; joining fee waived with an ongoing Liv Max subscription
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 735
- Fee note
- No standard waiver; joining fee waived with an ongoing Liv Max subscription
- Monthly rate
- 3.25%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 46.8%
- Minimum salary
- AED 15,000
- 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.
What you get.
- Welcome bonus: AED 1,000 as Tamayaz Points when you spend AED 40,000 within 60 days of card activation (exclusive to Tamayaz World)
- 10% cashback as Tamayaz Points on all Union Coop spends, in-store and online
- 3% cashback on international spends
- 1% on domestic fuel and dining; 1% on other domestic spends; 0.1% on government and utility spends
- Cashback capped at AED 1,500 per month
- Airport lounge access at 800+ airports
- VOX Cinemas: 3 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
- Joining fee AED 700 + VAT (AED 735) in the first year, waived with an ongoing Liv Max subscription
- 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.