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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.
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.
This Emirates Islamic 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.
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.
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
Listed below are the eligibility criteria for Emirates Islamic Union Coop Tamayaz Credit Card:
For self-employed – AED 20000
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.
|Particulars||Fee & 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%|
|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|
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:
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:
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.
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 %|
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.
Here is a list of documents that applicants may need to furnish in order to get 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:
Here’s How to Apply:
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.
|Other Emirates Islamic Credit Cards|
|Emirates Islamic RTA Card||Emirates Islamic Cashback Credit Card|
|Emirates Islamic Flex Elite Credit Card||Emirates Islamic Etihad Guest Platinum Credit Card|
|Emirates Islamic Cashback Plus Credit Card||Emirates Islamic Skywards Infinite Credit Card|
|Emirates Islamic Emarati Credit Card||Emirates Islamic Skywards Signature Credit Card|
|Emirates Islamic Etihad Guest Premium Credit Card||Emirates Islamic Flex Credit Card|
|Emirates Islamic Flex Platinum Credit Card||Emirates Islamic Etihad Guest Ameera Credit Card|
|Emirates Islamic Etihad Guest Saqer Credit Card||Emirates Islamic Skywards Black Credit Card|
Q1: What is the maximum limit of Tamayaz Points I can earn?
Ans: There is no maximum limit for earning Tamayaz Points and you can earn as many Tamayaz points as you want.
Q2: How to redeem Tamayza points?
Ans: Tamayaz points can easily be redeemed in the Union Coop stores.
Q3: Do Tamayaz points expire?
Ans: 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.
Q4: How to redeem Tamayaz Points from Emirates Islamic?
Ans: You need to contact Emirates Islamic at 600 599995 and request for transfer of Tamayaz points to your Tamayaz account.
Q5: How many minimum Tamayaz points can be transferred to Union Coop?
Ans: The minimum number of Tamayaz points that can be transferred to Union Coop is 1,000 points.
Q6: How do I get free Valet Parking benefit?
Ans: You need to spend AED 3,000 monthly on your Emirates Islamic Union Coop Card to get free Valet Parking benefit.
Q7: Do I get charged for valet parking if I spend less than AED 3,000?
Ans: 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.
Q8: Can I use the free Valet Parking Service more than once in one month?
Ans: No! You will be charged with AED 80 for each extra visit.
Q9: Is cash withdrawal allowed on the card?
Ans: 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.
Q10: Are supplementary cards allowed with this card?
Ans: 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.