Liv Cashback vs ADIB Cashback Covered: which is better in the UAE? (2026)

ADIB Cashback Covered takes every one of the six questions in the comparison above, so the order does not change with your mix — only the size of the gap. ADIB Cashback Covered returns more across the whole profile — AED 2,536 a year against AED 1,289, after each card's annual fee.

Liv Cashback is free for life. ADIB Cashback Covered is AED 104 a year. The spec table above shows the live figures.

Liv Cashback starts at AED 5,000 a month and ADIB Cashback Covered at AED 5,000. Both are registry-verified at application, and the spec table above carries the current requirement.

Yes — they are issued by different banks, so holding both is possible subject to each bank's own credit assessment and your total exposure across lenders.

On AED 3,000 a month of dining and food delivery, ADIB Cashback Covered earns AED 120 against AED 45. It keeps more over the year too, AED 3,256 against AED 1,559, after each card's annual fee.

On AED 2,900 a month of bills and utilities, ADIB Cashback Covered earns AED 92 against AED 3. It keeps more over the year too, AED 3,208 against AED 1,739, after each card's annual fee.

On AED 1,200 a month of fuel and commuting, ADIB Cashback Covered earns AED 48 against AED 18. It keeps more over the year too, AED 2,824 against AED 1,487, after each card's annual fee.

On AED 4,500 a month of groceries, ADIB Cashback Covered earns AED 180 against AED 90. It keeps more over the year too, AED 3,496 against AED 2,195, after each card's annual fee.

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. ADIB Cashback Covered still returns more, AED 5,800 a year against AED 4,723.