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Emirates Islamic Union Coop Tamayaz Credit Card

A 2015 report by Euromonitor International revealed that UAE residents spent approximately US$3,088 per capita on grocery spending. Quite naturally, the UAE residents are often to be found looking for ways to consolidate and minimize their grocery spends. In fact, McKinsey & Company found that 53% of UAE residents look for cashback and rewards to make maximum value for their money. 

Given the fact that a large number of UAE residents are often found looking for ways to minimize their grocery spending, UAE’s financial institution, Emirates Islamic Bank partnered with Dubai’s leading consumer cooperative society - Union Coop. (Union Cooperative Society) to launch the co- Emirates Islamic Union Coop. Tamayaz Credit Card.

Emirates Islamic Union Coop Tamayaz Credit Card is an innovative credit card that makes grocery shopping all the more exciting and rewarding for the residents in the UAE. With unlimited, continuous cashback and a rare chance to get on-board the much sought-after Tamayaz loyalty programme membership, Emirates Islamic Union Coop Tamayaz Credit Card consistently ranks alongside some of the best credit cards available in the entire UAE region.

About Emirates Islamic Union Coop Tamayaz Credit Card

In November 2014, the UAE’s leading Islamic financial institution – Emirates Islamic got into a strategic partnership with Dubai’s leading consumer cooperative society, Union Coop. (Union Cooperative Society) to launch the ground-breaking and rewarding Emirates Islamic Union Coop. Tamayaz co-branded Credit Card. Since its launch, this amazing credit card has been ruling the heart of all sort of spenders in the UAE region, from conservative to liberal and from spendthrifts to hoarders.

Emirates Islamic Union Coop. Tamayaz Co-Branded Credit Card has been carefully designed and thoughtfully conceptualized to make grocery shopping all the more rewarding and exciting for card members. The card ensures that its card members get up to 3 Tamayaz Points, which is equivalent to 5% cashback, for every Dirham spent at Union Coop store. In addition, this card helps card members score instant discounts and offers.

Emirates Islamic Union Coop. Tamayaz Co-Branded Credit Card members get automatic access to the much sought-after and ever-so-popular, Tamayaz Program. Card members also get access to exclusive offers only for Tamayaz Program members, both in the UAE and abroad.

Loaded with an extensive range of unique benefits and innovative features, Emirates Islamic Union Coop. Tamayaz Co-Branded Credit Card provides maximum value for money, without having to worry about paying the annual fees. The card comes with no annual membership fees and is linked to the immensely popular, Mazaya Offers platform that allows card members to earn special privileges and exciting discounts at 2000+ restaurants and retailers across the UAE region.

Features of Emirates Islamic Union Coop Tamayaz Credit Card

Emirates Islamic Union Coop Tamayaz Credit Card is loaded with a wide range of useful features to offer maximum value for money to the card members. No wonder, this card is so much in demand in the UAE and is often considered to be prized possession by the UAE residents, both expats and nationals alike. Listed below are just some of the many helpful features of Emirates Islamic Union Coop Tamayaz Credit Card.

  • Tamayaz Program membership
  • Free Valet Parking
  • Purchase protection
  • Extended warranty
  • Shopper Valet
  • Golf Access
  • Credit Shield
  • Emergency Medical and Legal referral service
  • Cash on call facility
  • Global Assistance
  • Free for life card
  • Tap and pay experience with Visa Paywave
  • Fully Shari'a compliant

Benefits of Emirates Islamic Union Coop Tamayaz Credit Card

Emirates Islamic Union Coop Tamayaz Credit Card is an exclusive and elite credit card, specially designed to make grocery shopping all the more rewarding and exciting for the UAE residents. Access to the esteemed Tamayaz program membership and cash back up to 5% add to the ever-growing popularity of this amazing credit card. Here’s a little list of just some of the many outstanding benefits of Emirates Islamic Union Coop Tamayaz Credit Card

  • Complimentary welcome bonus of 6,000 Tamayaz Points
  • Up to 3 Tamayaz Points for every 1 AED spent at Union Coop store (equivalent to 5% cashback)
  • Tamayaz Points for all other purchases, in the UAE and abroad
  • Instant discounts
  • Exclusive Tamayaz offers
  • Exclusive Mazaya Offers
  • 67% cashback for spends in the form of Choice points (Tamayaz points)
  • Instant redemption of choice points at retail stores, jewelry outlets, leisure outlets, entertainment venues, supermarkets, electronic stores or communication outlets.
  • 3 Tamayaz point and 2.5 Choice points for every 1 AED spent at Union Coop store.
  • 1 Tamayaz point for every AED 1 domestic spend
  • 2 Tamayaz points for every AED 1 international spend.
  • 1,500 Etihad Guest Miles for 14,000 Choice Points,
  • 2,000 Etihad Guest Miles for 16,000 Choice Points.

Eligibility

Listed below are the eligibility criteria for Emirates Islamic Union Coop Tamayaz Credit Card:

  • Income Eligibility:
    For expatriates:
    • AED 5000 (Approved employer who have transferred their salary to Emirates Islamic)
    • AED 8000 (Approved & un-approved employer who have not transferred their salary to Emirates Islamic)

   For self-employed – AED 20000

  • Residential Eligibility: UAE residents with valid UAE Residence Visa
  • Verification Eligibility: Age/Id Proofs

Top Reasons to Get Emirates Islamic Union Coop Tamayaz Credit Card

Tamayaz membership, instant discounts, and exclusive offers, there is absolutely no dearth of reasons to buy Emirates Islamic Union Coop Tamayaz Credit Card. Here is a little list of some of the most riveting reasons for getting Emirates Islamic Union Coop Tamayaz Credit Card for beginners or the uninitiated spenders.

  1. Tamayaz Program - Emirates Islamic Union Coop Tamayaz Card is powered by one of the most sought-after and longed for loyalty programmes in the UAE, the Tamayaz Program. It is a unique membership program that allows Emirates Islamic Union Coop Tamayaz Card members to enjoy instant discounts, exclusive offers and instantly redeemable Tamayaz points for every AED 1 spent. Etihad Guest Members can also use these Tamayaz points for special privileges onboard Etihad flights. The best part is the fact that it is fairly easy to take advantage of the Tamayaz Program membership. In order to score instant discounts, avail exclusive Tamayaz offers and earn prestigious Tamayaz points, all one needs to do is to use the Emirates Islamic Union Coop Tamayaz Card at one of the many Union Coop store or anywhere in the UAE or abroad.
  2. Additional Privileges - In addition to the exclusive Tamayaz membership, Emirates Islamic Union Coop Tamayaz Credit Card members also get access to a wide range of additional privileges. Some of these privileges include free, complimentary valet parking service, free shopper valet, exclusive Mazaya offers and much more. Furthermore, card members get the exclusive VISA Golf Access where they get to earn exclusive discounts and benefits at some of the UAE’s premium golf courses including Al Hamra, Arabian Ranches, Jumeirah Golf Estates, Saadiyat Beach Golf Club, etc. Card members may also get up to 4 supplementary cards for their family members and use them to avail instant discounts and exclusive benefits available on the primary card while earning Tamayaz points on every Dirham spent. Also, card members get to access the VISA International multilingual service representatives, anywhere in the world, 24 hours a day, 365 days a year.
  3. Purchase Protection - Emirates Islamic Union Coop Tamayaz Credit Card not only offers instant discounts and special privileges but also ensures that card members are protected against loss or damage of their purchase for as long as 365 days from the date of purchase. Card members can claim coverage of up to USD 5000 per occurrence or USD 20,000 per year against loss or damage of purchased items. In addition, the card also automatically doubles the manufacturer warranty for up to 12 months from the date of purchase.
  4. Medical and Legal Referral - This is one of the most unique features of Emirates Islamic Union Coop Tamayaz Credit Card. Card members are protected at all times anywhere in the world with emergency medical and legal referral service provided by the card. Emirates Islamic Union Coop Tamayaz Credit Card members can access telephone medical advice, medical service provider referral, monitoring medical condition pre and post hospitalization, essential medicine/equipment delivery, hospital admittance guarantee, and medical evacuation/repatriation, anywhere in the world. In addition, card members can also access the 24-hour travel information, inquiry services, and a wide range of other services including calling technicians and booking interpreter services, anywhere and at any time.
  5. No Annual Fees - Initially, Emirates Islamic Union Coop Tamayaz Credit Card came with an annual fee of AED 350. However, card members can now avail this credit card absolutely free for lifetime. 

Emirates Islamic Union Coop Tamayaz Credit CardOffers (Updated in June 2018)

  • Tamayaz points for every AED 1 spent inside Union Coop stores (No Promo code Required)
  • 1,500 Etihad Guest Miles for 14,000 Choice Points (No Promo code Required)
  • 2,000 Etihad Guest Miles for 16,000 Choice Points (No Promo code Required)
  • Up to 30% at restaurants across the UAE (No Promo code Required)
  • Free Valet Parking at Dubai Airport (No Promo code Required)
  • 15% discount at Cristal Hotel, Abu Dhabi (No Promo code Required)
  • 15% off at Bookmyservice.com (Promo Code: EIB15%)
  • 20% discount at Bloomingbox.com (Promo Code: EIB20)

Fees and Charges

Annual Membership Fee

Zero

Cash Advance Fee

3% of cash advance amount or AED 99 whichever is higher (This will be revised to 3% of cash advance amount or AED 149 whichever is higher effective April 01, 2019)

Maximum cash advance per transaction       

10,000 or 50% of the card limit whichever is lower

Over limit fee

AED 249 (This will be revised to 279 effective April 01, 2019)

Late payment fee

AED 225

Card replacement fee

Free (This will be revised to 50 effective April 01, 2019)

Copy of sale voucher

AED 50

Overseas transaction in UAE Dirhams           

1.99%

Forex Charges  

2.34%

Minimum Payment Due

5% of statement balance PLUS any overdue amount, or AED 100, whichever is higher

No Liability Certificate

AED 50

Liability Letter

AED 50

Paper statement fee

10 (No Charge for Priority customers)

Cheque & Direct Debit Return     

AED 100

E-statement

Free

 

Emirates Islamic Union Coop Tamayaz Credit Card Rewards

  1. Tamayaz Program - Emirates Islamic Union Coop Tamayaz Card members can enjoy the amazing benefits and rewards of the much acclaimed Tamayaz program. This is one of the most popular and sought-after loyalty programmes in the entire UAE region. Tamayaz members get to earn Tamayaz points for every AED 1 spent in one of the many Union Coop. stores throughout the UAE. In addition to the Tamayaz Points, card members also get to earn special and exclusive Tamayaz offers and instant discounts. Earning and redeeming Tamayaz points is easy with Emirates Islamic Union Coop Tamayaz Card and one can earn these points by using the card at any Union Coop store or anywhere within the UAE or internationally. Here it is important to remember that the total spend amount is calculated on the basis of the earning rate at Union Coop stores only. Listed below are the Tamayaz advantages that Emirates Islamic Union Coop Tamayaz Card members’ get access to:
  • Complimentary welcome bonus of 6,000 Tamayaz Points.
  • Up to 3 Tamayaz Points for every Dirham spent at Union Coop store. This is equal to 5% cashback).
  • For domestic spends worth AED 1, card members get to earn 2 Tamayaz Points.
  • For international spends worth AED 1, card members get to earn 1 Tamayaz Point.

Please Note: Retail domestic spends under category "Government Services" will earn 0.6 Tamayaz Points, effective from March 15, 2018. 1 Tamayaz Point will be given by Union Coop and 2 Tamayaz Points will be given by Emirates Islamic for every Tamayaz Point.

 Here is a list of some important points for Emirates Islamic Union Coop Tamayaz Card members:

  • Tamayaz Points given by Union Coop is added automatically to Tamayaz account.
  • Tamayaz Points given by Emirates Islamic is available with Emirates Islamic and can be transferred to Tamayaz account by calling 600 599995.
  • Tamayaz Points given by Emirates Islamic are valid for 2 years.
  • Tamayaz Points given by Union Coop are valid for 1 calendar year.
  • Tamayaz Points, transferred from Emirates Islamic to Union Coop, expire in 1 calendar year.
  1. Mazaya Rewards - In addition to the Tamayaz Membership, Emirates Islamic Union Coop Tamayaz Credit Card also get to enjoy the many benefits and rewards of Mazaya Offers. Mazaya Offers Platform is one of the most popular and sought-after rewards programs and has found a large number of suitors, admirers, and fans, all over the UAE. This platform helps card members access unmatched benefits and exclusive discounts. Up to 30% off at 2000+ restaurants across the UAE and exciting discounts at shopping partners through the UAE region remain the key highlight of the Mazaya Offers Platform.
  2. Exclusive Golf Access - Emirates Islamic Union Coop Tamayaz Credit Card members also get access to special Golf Access and exclusive discounts at some of the UAE’s premium Golf clubs. Here is a list of just some of the many elite golf clubs where Emirates Islamic Union Coop Tamayaz Credit Card members can get exclusive offers and special discounts:
  • The Els Club
  • Al Hamra
  • Jumeirah Golf Estates
  • Tower Links
  • Sharjah Golf & Shooting Club
  • Saadiyat Beach Golf Club
  • Abu Dhabi Golf club
  • Arabian Ranches
  • Al Zorah Golf Club

How to Earn Rewards?

It is easy to earn rewards using Emirates Islamic Union Coop Tamayaz Credit Card. Card members get to earn up to 5% unlimited cash back as Tamayaz Points on spends made at Union Coop. stores across the UAE by simply using Emirates Islamic Union Coop Tamayaz Credit Card. Card members also get to earn Tamayaz Points on all other purchases, in the UAE and abroad.

Emirates Islamic Union Coop Tamayaz card members get:

  • Up to 3 Tamayaz Points for AED 1 spend at Union Coop store
  • 2 Tamayaz Points for AED 1 spend on all other purchases within the UAE
  • 1 Tamayaz Point for AED 1 spend on all other purchases made internationally

1 Tamayaz Points is given by Union Coop and 2 Tamayaz Points are given by Emirates Islamic for every Tamayaz Point. Tamayaz Points given by Union Coop is added automatically to Tamayaz account, while for Tamayaz Points given by Emirates Islamic, card members need to call 600 599995 and request the points to be transferred to Tamayaz account.

How to Redeem Your Points?

Just like earning, redeeming Tamayaz Points is easy too. Emirates Islamic Union Coop Tamayaz Card members can redeem their Tamayaz Points against their purchases instantly at Union Coop stores. The redemption is allowed as per the following table:

 

 

Tamayaz Points

Tamayaz Points (in AED)

Cashback %

Shareholder*

3,000

50

5

Non  Shareholder

4,000

50

3.75

 

As discussed above, Tamayaz Points given by Union Coop are automatically added to the Tamayaz account, whereas Tamayaz Points given by Emirates Islamic are transferred to the Tamayaz account upon requesting a transfer at 600 599995.

Please Note: Tamayaz Points given by Emirates Islamic are valid for 2 years. And those given by Union Coop are valid for 1 calendar year. Tamayaz Points, transferred from Emirates Islamic to Union Coop, expire in 1 calendar year.

Additional Information / Documentation

Here is a list of documents that applicants may need to furnish in order to get Emirates Islamic Union Coop Tamayaz Credit Card:

  • Income documents/recent pay slips (Salaried individuals)
  • Passport copy
  • Resident visa
  • Emirates id
  • 3-6 months bank statement
  • Credit card copy
  • Recent credit card statement
  • Residence proof
  • Address Proofs

How to Apply For Emirates Islamic Union Coop Tamayaz Credit Card?

Emirates Islamic Union Coop. Tamayaz co-branded Credit Card is certainly a great financial instrument for those who use it wisely to consolidate spend and make maximum value for money. It provides amazing cash back rewards, instant discount, and host of useful benefits. Zero annual fee adds to the overall popularity of the card. 

Here’s how one can apply for Emirates Islamic Union Coop. Tamayaz co-branded Credit Card:

  • Card Eligibility - When applying for Emirates Islamic Union Coop. Tamayaz co-branded Credit Card, it makes sense to check out the eligibility criteria. The minimum salary required to apply for this amazing card is AED 3000 per month. In addition, this card is available for those with valid Emirates Id and UAE residence Visa.
  • Documentation - Those applying for Emirates Islamic Union Coop. Tamayaz co-branded Credit Card must also do well to get acquainted with the documentation required to apply for the card. Card seekers are required to furnish income documents/recent pay slips, copy of valid passport, 3-6 months bank statement, a copy of credit card along with recent credit card statement, residence proof, and valid address proof. Income proof documents may differ for salaried and self-employed people. Self-employed people may also be asked to produce proof of business continuity and ownership along with other documents. In some cases, applicants may even be asked to sign a blank cheque as the security deposit.
  • Fee structure and benefits - Card seekers looking to apply for Emirates Islamic Union Coop. Tamayaz co-branded Credit Card must do well to carefully check the fee structure of the card to understand if the card fits well within their budget. Remember, not paying the credit card overdue may lead to serious repercussions. Non-payment of credit card dues may lead to a damaged credit score and may even lead to a jail term. Therefore, it is very important to check the structure and details of the fees associated with the card. In addition, applicants must also remain vigilant of checking the various features and benefits associated with the card to see if the card fits their bill to the t.
  • Fine Prints - Lastly, applicants must carefully read through the fine prints of the card agreement to get acquainted with each and every aspect of the card before applying for it. Applicants need to get acquainted with the credit limit, APR (annual percentage rate), balance transfer charges, interest-free period, over limit charges and cash withdrawal limit. It is vital to understand these key aspects of the card before applying for it to make sure that applicants don’t end up getting caught in a financially awkward situation later.

Here’s How to Apply:

  1. Visit Policybazaar.ae
  2. Click on the ‘Credit Cards’ tab
  3. Enter your full name and your phone number
  4. Now enter your email address, monthly salary, nationality and city of residence in the UAE
  5. Click ‘View Cards’
  6. Now compare Emirates Islamic Union Coop. Tamayaz Credit Card against other credit cards in the same category
  7. Select the card the interests you and submit.

That’s it! Now sit back and relax, one of the credit card specialists from Policybazaar.ae will contact you and will acquaint with all the details you need to know about Emirates Islamic Union Coop. Tamayaz co-branded Credit Card. You may schedule an appointment and representatives from Policybazaar.ae will pick your documents from your doorsteps. With Policybazaar.ae, applying for Emirates Islamic Union Coop. Tamayaz co-branded Credit Card is easier than ever before.

FAQ's

Question 1: What is the maximum limit of Tamayaz Points I can earn?

Answer: There is no maximum limit for earning Tamayaz Points and you can earn as many Tamayaz points as you want.

Question 2: How to redeem Tamayza points?

Answer: Tamayaz points can easily be redeemed in the Union Coop stores.

Question 3: Do Tamayaz points expire?

Answer: Yes! Tamayaz points given by Union Coop expire in 1 calendar year. Tamayaz points earned by spending on Emirates Islamic Union Coop Credit Card expire in 2 years.

Question 4: How to redeem Tamayaz Points from Emirates Islamic?

Answer: You need to contact Emirates Islamic at 600 599995 and request for transfer of Tamayaz points to your Tamayaz account.

Question 5: How many minimum Tamayaz points can be transferred to Union Coop?

Answer: The minimum number of Tamayaz points that can be transferred to Union Coop is 1,000 points.

Question 6: How do I get free Valet Parking benefit?

Answer: You need to spend AED 3,000 monthly on your Emirates Islamic Union Coop Card to get free Valet Parking benefit.

Question 7: Do I get charged for valet parking if I spend less than AED 3,000?

Answer: Yes! There is a charge of AED 80 per visit for those who spend less than AED 3000 on their Emirates Islamic Union Coop Card.

Question 8: Can I use the free Valet Parking Service more than once in one month?

Answer: No! You will be charged with AED 80 for each extra visit.

Question 9: Is cash withdrawal allowed on the card?

Answer: Yes! Cash withdrawal is allowed on the card. You can withdraw cash from one of the many Emirates Islamic branches or from an ATM anywhere in the world. There is a charge for cash withdrawal.

Question 10: Are supplementary cards allowed with this card?

Answer: Yes! Up to 4 supplementary cards can be availed absolutely free of cost with Emirates Islamic Union Coop. Tamayaz co-branded Credit Card. Supplementary cards earn the same benefits as the primary card.

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