ADCB Emirati Islamic: Cashback with eligible dining spending. Liv Tamayaz Platinum: Tamayaz Points under the published conditions. Start with eligibility, reward use and total recurring cost.
Same AED 10,000 monthly budget, paid in full. Net value is eligible rewards plus qualifying welcome offers, less modelled card, joining and plan fees. FX charges, borrowing costs and unpriced perks are excluded.
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
A higher estimate does not establish eligibility. Restricted points and miles need a redemption you can use. Benchmark calculated 2026-11-04; product terms retain the review dates below. Negative values show fees exceeding modelled rewards.
Conditional welcome and campaign value included: AED 0. It requires the bank’s new-customer, application-date and spending conditions; it is not a guaranteed payment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
UAE nationals only. Assumes eligible domestic dining/fuel and general retail, AED 7,000 monthly gate and AED 1,500 total monthly cap. Special cinema, jewellery, fitness and spa benefits are excluded.
Liv Tamayaz Platinum assumptions
Conditional welcome and campaign value included: Not estimated. It requires the bank’s new-customer, application-date and spending conditions; it is not a guaranteed payment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Free for life.
Tamayaz redemption is restricted to Union Coop: Gold shareholders60 points/AED 1; Silver80 points/AED 1. Minimum1000 points, expiry31December each year and current digital-app-card requirements apply. A single unrestricted cash conversion is not assumed; the annual forecast remains unavailable.
A lighter budget can miss a spending gate; a bill-heavy budget can earn reduced rates. These examples use the same rules as the personal selector.
Compare three example budgets
Light everyday · AED 3,000/month
ADCB Emirati IslamicOngoing net / year: -AED 945.00
Liv Tamayaz PlatinumOngoing net / year: Not estimated
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
Liv Tamayaz PlatinumOngoing net / year: Not estimated
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
Liv Tamayaz PlatinumOngoing net / year: Not estimated
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
Check approval criteria, payment-channel exclusions, fee waivers and the benefits you plan to use. Product-source dates are shown separately; this comparison is not bank approval.
ADCB Emirati Islamic: benefit conditions and official sources
Perks and exclusions
Lounges: Visa Airport Companion provides unlimited access for the cardholder and one guest, subject to activation conditions.
Cinema: Receive 50% back on online cinema tickets, subject to the cashback requirements.
The card is exclusively for UAE nationals. A bank-assessed eligible credit limit of AED 15,000 provides an alternative to the published salary requirement.
The seven 7% categories are domestic. All international retail is 1%. Travel split into airline and hotel inputs can earn 7% domestically if implemented.
Do not put this into a general applicant's personalised ranking without UAE nationality confirmation.
Cinema: VOX: 2 tickets per month; consult current booking terms.
Tamayaz is a separate Union Coop loyalty programme; ordinary Liv Cashback credit-limit caps are not automatically applied.
Petroleum, transit, government, utilities, real estate, education and telecom receive the reduced 0.1% advertised equivalent. Bank-channel utility payments earn no points.
Gold membership is available to Union Coop shareholders; confirm the redemption value for your membership before applying.
January 2026 combined KFS: Cashback and Tamayaz Platinum monthly interest is 3.49%, with a published minimum salary of AED 5,000; Cashback+ and Tamayaz World have 3.25% interest and an AED 15,000 salary criterion. The generic Tamayaz FAQ still states AED 5,000, so World eligibility remains conflicting pending issuer clarification. Approval and other criteria apply.
Published nominal Liv foreign-processing bank fee: 1.99%. Mastercard processing is additional (the bank quotes approximately 1.15%), and conversion and applicable tax costs may apply. Exact percentage VAT and foreign-AED scope are not settled. This is not an all-in FX price.
Union Coop-only Tamayaz redemption: Gold shareholders use 60 points for AED 1; Silver uses 80 points for AED 1. Minimum 1,000 points. All points expire on 31 December each year. Use Union Coop’s digital app card under current operator rules. Bank-card earning and ordinary Union Coop loyalty earning are separate; these are store-redemption values, not unrestricted cash.
