Liv Cashback is a free-for-life card with a tiered cashback structure: 0.75% below AED 5,000 of monthly spend, 1.5% from AED 5,000, and 2% once spend clears AED 10,000 a month, capped at AED 750. It's one of the simplest cashback cards in the UAE, and the math is straightforward.
This review breaks down the rates, the fine print, and how we scored it.
Rewards: How Cashback Adds Up
- 0.75% below AED 5,000/month spend
- 1.5% from AED 5,000/month
- 2% from AED 10,000/month
- 0.1% on government, utilities and bill payments
- Monthly cap: AED 750
- Redeemable as cashback or Emirates Skywards Miles (up to 5,000/month), switchable in the Liv app
Fees & Eligibility
| Fee Type | Amount |
|---|---|
Annual Fee | Free for life |
Minimum Salary | AED 5,000, no salary transfer required |
Monthly Interest Rate | 3.49% (41.88% APR) |
Card Replacement Fee | AED 26.25 |
Cash Advance Fee | 3% or AED 103.95, whichever is higher |
| Fee Type | Amount |
|---|---|
Annual Fee | Free for life |
Minimum Salary | AED 5,000, no salary transfer required |
Monthly Interest Rate | 3.49% (41.88% APR) |
Card Replacement Fee | AED 26.25 |
Cash Advance Fee | 3% or AED 103.95, whichever is higher |
Kredit Rating: 3.5/5 · Good
At an assumed AED 5,000/month of spend:
Rewards return — Fair. About 1.2% effective, roughly AED 723/year — the higher tiers only unlock at higher spend.
Cost efficiency — Outstanding. Zero annual fee. The FX line item (~AED 251/year) is Kredit's standardized comparison assumption for scoring FX rates across cards — your actual cost depends entirely on how much of your spend is genuinely international.
Benefit value — Fair. 2 VOX Cinemas buy-one-get-one ticket offers a month and up to 4 airport lounge visits or dining offers a year (Mastercard Travel Pass, gated on a quarterly foreign-currency transaction) add roughly AED 868/year.
Reward coverage — Excellent. The all-spend tier structure means most everyday categories clear our meaningful-earning bar, aside from the 0.1% carve-outs.
Accessibility — Outstanding. A AED 5,000 minimum salary and no salary-transfer requirement make this one of the most accessible cards in the market.
Bottom line — Good. Nets to roughly AED 1,340/year — about 2.2% of assumed annual spend.
Final Thoughts: Who Should Get This Card?
- Anyone who wants a genuinely free cashback card with a simple 3-tier structure
- Spenders whose monthly card spend regularly clears AED 10,000
- Anyone comfortable with Liv's app-only banking — there are no physical branches
Skip it if you want more lounge visits or lifestyle perks beyond the basics (see Liv Cashback+).
Kredit provides informational content only and does not offer financial advice. We do not guarantee accuracy and recommend consulting a licensed financial professional before making decisions.
