Card face-off
Liv Cashback vs CBD Super Saver: which is better in the UAE? (2026)
cbd
CBD Super Saver Credit Card
Liv Cashback and CBD Super Saver 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 CBD Super Saver 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 420 (waivable) | Free | 2.99% | AED 5,000 | Up to 10% Cashback on Bills, Education, Supermarkets and Fuel. |
| 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 420 (waivable) | Free | 2.99% | AED 5,000 | Up to 10% Cashback on Bills, Education, Supermarkets and Fuel. |
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.
CBD Super Saver Credit Card
Annual feeAED 420 (waivable)
Joining feeFree
Foreign transaction fee2.99%
Min. salaryAED 5,000
HighlightUp to 10% Cashback on Bills, Education, Supermarkets and Fuel.
Which card is better for what
Five answers compare Liv Cashback and CBD Super Saver on general everyday spend; groceries; spending abroad; fuel and commuting; bills and utilities. 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 10,000 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 420 for CBD Super Saver. Both need a salary of AED 5,000 a month.
Best for general everyday spend: Liv Cashback
Liv Cashback returns more across the whole profile — AED 1,289 a year against AED 1,020, after each card's annual fee.
Modelled monthly spend
GroceryAED 2,500
UtilitiesAED 900
FuelAED 600
Everything elseAED 4,000
TotalAED 8,000
Annual return
Liv Cashback Credit Card1.34% of the profile, after everything+ AED 1,289
CBD Super Saver Credit Card
Rewards+ AED 1,440
Annual fee
– AED 420
Total1.06% of the profile, after everything+ AED 1,020
Spend tier
Clearing AED 10,000 a month lifts CBD Super Saver to AED 2,340 a year across this profile, instead of AED 1,440.
Best for groceries: Liv Cashback
On AED 4,500 a month of groceries, CBD Super Saver earns AED 100 against AED 90. Liv Cashback still shows the higher annual total, AED 2,195 against AED 1,680, because it earns more across the rest of the month.
Modelled monthly spend
GroceryAED 4,500
UtilitiesAED 900
FuelAED 600
Everything elseAED 4,000
TotalAED 10,000
Annual return
Liv Cashback Credit Card1.83% of the profile, after everything+ AED 2,195
CBD Super Saver Credit Card
Rewards+ AED 2,100
Annual fee
– AED 420
Total1.4% of the profile, after everything+ AED 1,680
Best for spending abroad: CBD Super Saver
On AED 2,400 of foreign spend a month, CBD Super Saver charges 2.99%, which comes to AED 861 a year. Liv Cashback charges 3.14%, which comes to AED 904 a year. That leaves CBD Super Saver ahead over the year, AED 1,631 against AED 1,121.
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
CBD Super Saver Credit Card
Rewards+ AED 1,440
Benefits usedAirport lounge × 8+ AED 1,472
Annual fee
– AED 420
Foreign transaction fee2.99% on spend abroad– AED 861
Total1.7% of the profile, after everything+ AED 1,631
Best for fuel and commuting: Liv Cashback
On AED 1,200 a month of fuel and commuting, CBD Super Saver earns AED 36 against AED 18. Liv Cashback still shows the higher annual total, AED 1,487 against AED 1,236, because the two annual fees are not equal.
Modelled monthly spend
FuelAED 1,200
GroceryAED 2,500
UtilitiesAED 900
Everything elseAED 4,500
TotalAED 9,100
Annual return
Liv Cashback Credit Card1.36% of the profile, after everything+ AED 1,487
CBD Super Saver Credit Card
Rewards+ AED 1,656
Annual fee
– AED 420
Total1.13% of the profile, after everything+ AED 1,236
Spend tier
Clearing AED 10,000 a month lifts CBD Super Saver to 5% on fuel and commuting — AED 780 a year instead of AED 432.
Best for bills and utilities: CBD Super Saver
On AED 2,900 a month of bills and utilities, CBD Super Saver earns AED 100 against AED 3. It keeps more over the year too, AED 2,340 against AED 1,739, after each card's annual fee.
Modelled monthly spend
UtilitiesAED 2,300
GovernmentAED 600
GroceryAED 2,500
FuelAED 600
Everything elseAED 4,000
TotalAED 10,000
Annual return
Liv Cashback Credit Card1.45% of the profile, after everything+ AED 1,739
CBD Super Saver Credit Card
Rewards+ AED 2,760
Annual fee
– AED 420
Total1.95% of the profile, after everything+ AED 2,340
Which card earns more on your spend?
Adjust your monthly spending to see how cashback changes across cards.
Bills
0.1%
AED 0
0.1% · AED 0
Bills
—
Education
0.75%
AED 0
0.75% · AED 0
Education
—
Fuel
0.75%
AED 0
0.75% · AED 0
Fuel
—
Grocery
0.75%
AED 0
0.75% · AED 0
Grocery
—
Utilities
0.1%
AED 0
0.1% · AED 0
Utilities
—
Government
0.1%
AED 0
0.1% · AED 0
Government
—
Other Spends
0.75%
AED 0
0.75% · AED 0
Other Spends
—
Airport Lounge Access
AED 736
Airport Lounge Access
AED 1,472
Golf
—
Golf
—
VOX Cinemas BOGO
AED 528
VOX Cinemas BOGO
—
Valet Parking
—
Valet Parking
AED 1,200
Annual Fee
Free
Annual Fee
– AED 420
Total
+ AED 1,264
Total
+ AED 2,252
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 Liv Cashback comes out ahead by AED 269 a year, AED 1,289 against AED 1,020 for CBD Super Saver. 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. Liv Cashback answers three: general everyday spend; groceries; fuel and commuting. CBD Super Saver answers two: spending abroad; bills and utilities. 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 CBD Super Saver has to return AED 420 a year before it breaks even, roughly AED 35 of rewards a month just to draw level. Every figure above is already net of that.
There is a condition attached. CBD Super Saver pays nothing at all in a month where total card spend falls below AED 3,000 — 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.
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Liv Cashback Credit Card vs CBD Super Saver Credit Card: FAQ
Common questions about choosing between Liv Cashback Credit Card and CBD Super Saver Credit Card.