ADIB Cashback: Islamic cashback on eligible household bills. Liv Tamayaz World: 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.
Compare
ADIB Cashback
Liv Tamayaz World
Minimum monthly salary
Confirm with bank
Confirm with bank
Modelled fees · first year
AED 103.95
AED 735
Modelled fees · ongoing year
AED 103.95
AED 735
Estimated first-year net
AED 3,496.05
Not estimated
Estimated ongoing net / year
AED 3,496.05
Not estimated
Reward redemption model
Cash / statement redemption model
Reward value unconfirmed
Bank FX charge
2.415%; scheme charges may apply
1.99%; scheme charges may apply
Earning spend gate
Category and programme conditions apply
Category and programme conditions apply
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.
Category caps, exclusions and redemption rules in the full review apply.
Liv Tamayaz World 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.
AED 735 joining charge in year one; AED 735 renewal charge from year two. Unconfirmed joining-fee or subscription waivers are not assumed.
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
ADIB CashbackOngoing net / year: AED 1,000.05
Liv Tamayaz WorldOngoing 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 WorldOngoing 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 WorldOngoing 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.
ADIB Cashback: benefit conditions and official sources
Perks and exclusions
Lounges: No complimentary access verified
Cinema: No current offer verified.
Annual fee AED 99 plus 5% VAT = AED 103.95.
No minimum monthly retail spend is stated in the current Cashback Visa product page, comparison sheet or section 20 of covered-card terms. AED 5,000 in section 23 applies only to Spice.
Eligible MCCs, reversal and good-standing rules apply. Grocery, fuel/auto and education each cap at AED 300, dining AED 200 and utilities AED 100; overall AED 1,000 monthly.
Minimum salary and exact Visa tier are not published in checked current sources; the artwork does not say Platinum.
New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.
Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.
Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.
The product page uses Ijarah wording while its linked KFS describes commodity Murabaha/STI financing; request the applicable contract from ADIB.
Non-AED bank component 2.415% including VAT; scheme charges additional. Overseas-AED service component 2.8875% including VAT includes the stated Visa component, so do not add it twice. October 2026 tariff scope and legacy / self-funded qualifications apply.
Cinema: VOX: 3 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.
