Card face-off
Liv Cashback vs ADCB 365 Cashback: which is better in the UAE? (2026)
Abu Dhabi Commercial Bank (ADCB)
ADCB 365 Cashback Credit Card
Liv Cashback and ADCB 365 Cashback both compete for everyday UAE spend. The figures below come from each card's live reward rules at AED 8,000 a month, net of annual fees.
Liv Cashback Credit Card vs ADCB 365 Cashback Credit Card compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Joining fee | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
 | Free | Free | 3.14% | AED 5,000 | Up to 2% Cashback on all spends. Reduced to 0.1% on Government and Utilities. |
| AED 383.25 | Free | 4.14% | AED 8,000 | 6% cashback on dining (including online food orders). |
| Card | Annual fee | Joining fee | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
| Free | Free | 3.14% | AED 5,000 | Up to 2% Cashback on all spends. Reduced to 0.1% on Government and Utilities. |
| AED 383.25 | Free | 4.14% | AED 8,000 | 6% cashback on dining (including online food orders). |
Liv Cashback Credit Card
Annual feeFree
Joining feeFree
Foreign transaction fee3.14%
Min. salaryAED 5,000
HighlightUp to 2% Cashback on all spends. Reduced to 0.1% on Government and Utilities.
ADCB 365 Cashback Credit Card
Annual feeAED 383.25
Joining feeFree
Foreign transaction fee4.14%
Min. salaryAED 8,000
Highlight6% cashback on dining (including online food orders).
Which card is better for what
Seven answers compare Liv Cashback and ADCB 365 Cashback on general everyday spend; general everyday spend past AED 10,000 a month; groceries; dining and food delivery; spending abroad; fuel and commuting; rent. Each is priced on a month of its own, because a household that spends heavily on one thing does not spend the same total as one that does not. Within an answer both cards see the identical month.
Spending abroad prices AED 2,400 of the total as non-AED and takes each card's foreign transaction fee off the annual result. One answer prices air travel (spending abroad) and counts the airport benefits a traveller uses, each at that card's own published allowance. Every other benefit these cards carry is worth nothing to this household and counts as nothing.
Those months run from AED 8,000 to AED 21,200 a month, and every answer states the one it was priced on. They are the same curated spend profiles every comparison page uses, so the household behind an answer here is the household behind it anywhere.
Annual totals are net of each card's annual fee: none for Liv Cashback and AED 383 for ADCB 365 Cashback. Liv Cashback needs a salary of AED 5,000 a month and ADCB 365 Cashback AED 8,000.
Best for general everyday spend: ADCB 365 Cashback
ADCB 365 Cashback returns more across the whole profile — AED 2,287 a year against AED 1,289, after each card's annual fee.
Modelled monthly spend
GroceryAED 2,500
DiningAED 1,500
UtilitiesAED 900
FuelAED 600
Everything elseAED 2,500
TotalAED 8,000
Annual return
Liv Cashback Credit Card1.34% of the profile, after everything+ AED 1,289
ADCB 365 Cashback Credit Card
Rewards+ AED 2,670
Annual fee– AED 383
Total2.38% of the profile, after everything+ AED 2,287
Best for general everyday spend past AED 10,000 a month: ADCB 365 Cashback
Liv Cashback clears its AED 10,000 rung on this profile, and returns 1.86% of an AED 21,200 month against 1.34% of an AED 8,000 one. ADCB 365 Cashback still returns more, AED 6,649 a year against AED 4,723.
Modelled monthly spend
DiningAED 5,000
GroceryAED 4,500
UtilitiesAED 1,600
FuelAED 1,200
Everything elseAED 8,900
TotalAED 21,200
Annual return
Liv Cashback Credit Card1.86% of the profile, after everything+ AED 4,723
ADCB 365 Cashback Credit Card
Rewards+ AED 7,032
Annual fee– AED 383
Total2.61% of the profile, after everything+ AED 6,649
Best for groceries: ADCB 365 Cashback
On AED 4,500 a month of groceries, ADCB 365 Cashback earns AED 135 against AED 90. It keeps more over the year too, AED 3,007 against AED 2,195, after each card's annual fee.
Modelled monthly spend
GroceryAED 4,500
DiningAED 1,500
UtilitiesAED 900
FuelAED 600
Everything elseAED 2,500
TotalAED 10,000
Annual return
Liv Cashback Credit Card1.83% of the profile, after everything+ AED 2,195
ADCB 365 Cashback Credit Card
Rewards+ AED 3,390
Annual fee– AED 383
Total2.51% of the profile, after everything+ AED 3,007
Best for dining and food delivery: ADCB 365 Cashback
On AED 3,000 a month of dining and food delivery, ADCB 365 Cashback earns AED 180 against AED 45. It keeps more over the year too, AED 3,367 against AED 1,559, after each card's annual fee.
Modelled monthly spend
DiningAED 3,000
GroceryAED 2,500
UtilitiesAED 900
FuelAED 600
Everything elseAED 2,500
TotalAED 9,500
Annual return
Liv Cashback Credit Card1.37% of the profile, after everything+ AED 1,559
ADCB 365 Cashback Credit Card
Rewards+ AED 3,750
Annual fee– AED 383
Total2.95% of the profile, after everything+ AED 3,367
Best for spending abroad: Liv Cashback
On AED 2,400 of foreign spend a month, Liv Cashback charges 3.14%, which comes to AED 904 a year. ADCB 365 Cashback charges 4.14%, which comes to AED 1,192 a year. That leaves Liv Cashback ahead over the year, AED 1,121 against AED 582.
Modelled monthly spend
Spent abroad, in another currencyAED 2,400
Spent in the UAEAED 5,600
TotalAED 8,000
Annual return
Liv Cashback Credit Card
Rewards+ AED 1,289
Benefits usedAirport lounge × 4+ AED 736
Foreign transaction fee3.14% on spend abroad– AED 904
Total1.17% of the profile, after everything+ AED 1,121
ADCB 365 Cashback Credit Card
Rewards+ AED 2,157
Annual fee– AED 383
Foreign transaction fee4.14% on spend abroad– AED 1,192
Total0.61% of the profile, after everything+ AED 582
Best for fuel and commuting: ADCB 365 Cashback
On AED 2,100 a month of fuel and commuting, ADCB 365 Cashback earns AED 65 against AED 32. It keeps more over the year too, AED 2,677 against AED 1,487, after each card's annual fee.
Modelled monthly spend
FuelAED 1,200
TransportationAED 900
GroceryAED 2,500
DiningAED 1,500
Everything elseAED 3,000
TotalAED 9,100
Annual return
Liv Cashback Credit Card1.36% of the profile, after everything+ AED 1,487
ADCB 365 Cashback Credit Card
Rewards+ AED 3,060
Annual fee– AED 383
Total2.45% of the profile, after everything+ AED 2,677
Best for rent: Liv Cashback
On AED 6,000 a month of rent, Liv Cashback earns AED 120 against AED 30. It keeps more over the year too, AED 3,155 against AED 2,647, after each card's annual fee.
Modelled monthly spend
Real EstateAED 6,000
GroceryAED 2,500
DiningAED 1,500
UtilitiesAED 900
Everything elseAED 3,100
TotalAED 14,000
Annual return
Liv Cashback Credit Card1.88% of the profile, after everything+ AED 3,155
ADCB 365 Cashback Credit Card
Rewards+ AED 3,030
Annual fee– AED 383
Total1.58% of the profile, after everything+ AED 2,647
Which card earns more on your spend?
Adjust your monthly spending to see how cashback changes across cards.
Dining
0.75%
AED 0
0.75% · AED 0
Dining
—
Fuel
0.75%
AED 0
0.75% · AED 0
Fuel
—
Salik
0.75%
AED 0
0.75% · AED 0
Salik
—
Grocery
0.75%
AED 0
0.75% · AED 0
Grocery
—
Charity
0.75%
AED 0
0.75% · AED 0
Charity
—
Transportation
0.75%
AED 0
0.75% · AED 0
Transportation
—
Automotive
0.75%
AED 0
0.75% · AED 0
Automotive
—
Education
0.75%
AED 0
0.75% · AED 0
Education
—
Insurance
0.75%
AED 0
0.75% · AED 0
Insurance
—
Real Estate
0.75%
AED 0
0.75% · AED 0
Real Estate
—
Equipment Rental
0.75%
AED 0
0.75% · AED 0
Equipment Rental
—
Government
0.1%
AED 0
0.1% · AED 0
Government
—
Utilities
0.1%
AED 0
0.1% · AED 0
Utilities
—
Telecom
0.1%
AED 0
0.1% · AED 0
Telecom
—
Other Spends
0.75%
AED 0
0.75% · AED 0
Other Spends
—
Airport Lounge Access
AED 736
Airport Lounge Access
—
VOX Cinemas BOGO
AED 528
VOX Cinemas BOGO
AED 528
Annual Fee
Free
Annual Fee
– AED 383.25
Total
+ AED 1,264
Total
+ AED 145
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
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The verdict
On an ordinary AED 8,000 month ADCB 365 Cashback comes out ahead by AED 998 a year, AED 2,287 against AED 1,289 for Liv Cashback. That is after each card's annual fee and after every cap, which makes it the number to judge them on rather than either advertised rate.
Neither card answers every question. ADCB 365 Cashback answers five: general everyday spend; general everyday spend past AED 10,000 a month; groceries; dining and food delivery; fuel and commuting. Liv Cashback answers two: spending abroad and rent. Which of those months looks most like yours is what decides it, so the calculator above is worth a minute with your own figures.
The fee asymmetry matters. Liv Cashback carries none, while ADCB 365 Cashback has to return AED 383 a year before it breaks even, roughly AED 32 of rewards a month just to draw level. Every figure above is already net of that.
There is a condition attached. ADCB 365 Cashback pays nothing at all in a month where total card spend falls below AED 5,000 — not a reduced rate, zero. Every figure here assumes a month that clears that gate, so if your spend is uneven month to month the annual total will not hold.
Eligibility separates them too: Liv Cashback opens at AED 5,000 a month against AED 8,000 for ADCB 365 Cashback. If you sit between the two thresholds the comparison is settled for you regardless of which earns more.
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Liv Cashback Credit Card vs ADCB 365 Cashback Credit Card: FAQ
Common questions about choosing between Liv Cashback Credit Card and ADCB 365 Cashback Credit Card.