CBD Al Islami Super Saver Signature vs Liv Tamayaz World
CBD Al Islami Super Saver Signature: Cashback with eligible groceries spending. 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.
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.
Standard Islamic Super Saver renewal annual fee is AED 420 including VAT, with first year free per the linked KFS. The current Islamic tariff separately identifies AED 840 for applications before 29 February 2020. That older issued cohort is not a universal new-card fee. Confirm migrated / issued cohort and any renewal waiver; none is inferred automatically.
Partial forecast for direct bills, education, supermarket and fuel transactions under the bank’s published monthly tiers. Telecom shares the bills cap but is excluded from this forecast. Insurance, bank-channel payments, aggregators, instalments and other excluded transactions must not be entered as eligible retail. Earning is limited by the approved credit limit. No unverified renewal waiver is assumed.
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
CBD Al Islami Super Saver SignatureOngoing net / year: AED 228
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.
CBD Al Islami Super Saver SignatureOngoing net / year: AED 2,880
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.
CBD Al Islami Super Saver SignatureOngoing net / year: AED 780
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.
CBD Al Islami Super Saver Signature: benefit conditions and official sources
Perks and exclusions
Lounges: Airport lounge access is advertised. Current Visa Signature and CBD lounge terms determine the visit allowance and activation conditions.
Cinema: No current offer verified.
This is the Islamic Super Saver Visa Signature, distinct from the conventional card. The first year is free; the standard annual fee from year two is AED 420 including VAT. Confirm the renewal waiver and salary eligibility with CBD.
Eligible Bills, Education, Supermarket and Fuel spending earns 3% when total monthly spending reaches AED 3,000, 5% at AED 10,000 and 10% at AED 20,000. Per-category caps are AED 75, AED 100 and AED 150 respectively; total monthly caps are AED 300, AED 400 and AED 600.
Other retail earns no cashback. Direct merchant payments are required; bank channels, payment aggregators, cash, instalments and bank fees are excluded. Rewards are limited by the credit limit. Minimum redemption is AED 50 and cashback expires after 12 months.
The monthly profit rate is 3.45%. The international transaction bank fee is 2.75% plus scheme processing charges. Cinema and valet benefits for this card were discontinued from 9 May 2025.
Standard Islamic Super Saver renewal annual fee is AED 420 including VAT, with first year free per the linked KFS. The current Islamic tariff separately identifies AED 840 for applications before 29 February 2020. That older issued cohort is not a universal new-card fee. Confirm migrated / issued cohort and any renewal waiver; none is inferred automatically.
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.
