Both cards are free for life with low salary requirements, but they reward you differently. Liv Cashback pays tiered cashback across your everyday spend, while ENBD noon One concentrates high rewards inside the noon ecosystem — noon Food, noon.com and noon Minutes.
Card face-off
Liv Cashback vs ENBD noon One Credit Card: which is better in the UAE? (2026)
Two free-for-life cards: Liv Cashback pays flexible cashback across all spend, while noon One concentrates rich rewards inside the noon ecosystem. Choose by how much of your spend is noon.
Liv Cashback Credit Card vs ENBD noon One Visa Credit Card compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Joining fee | Min. salary | Why it stands out |
|---|---|---|---|---|
 | Free | Free | AED 5,000 | Flexible tiered cashback across all spend, free for life. |
 | Free | Free | AED 5,000 | Concentrated high rewards inside the noon ecosystem, free for life. |
| Card | Annual fee | Joining fee | Min. salary | Why it stands out |
|---|---|---|---|---|
| Free | Free | AED 5,000 | Flexible tiered cashback across all spend, free for life. |
| Free | Free | AED 5,000 | Concentrated high rewards inside the noon ecosystem, free for life. |
Which card earns more on your spend?
Adjust your monthly spending to see how cashback changes across cards.
Emirates NBD
ENBD noon One Visa Credit Card
noon Credits
Entertainment, Insurance +5 more
0.75%
AED 0
0.75% · AED 0
Entertainment, Insurance +5 more
0.3%
AED 0
0.3% · AED 0
noon / Namshi / supermall
0.75%
AED 0
0.75% · AED 0
noon / Namshi / supermall
5%
AED 0
5% · AED 0
Noon Food
0.75%
AED 0
0.75% · AED 0
Noon Food
20%
AED 0
20% · AED 0
NowNow
0.75%
AED 0
0.75% · AED 0
NowNow
10%
AED 0
10% · AED 0
Telecom, Utilities, Government
0.1%
AED 0
0.1% · AED 0
Telecom, Utilities, Government
0.3%
AED 0
0.3% · AED 0
Other Spends
0.75%
AED 0
0.75% · AED 0
Other Spends
1%
AED 0
1% · AED 0
Annual Fee
Free
Annual Fee
Free
Total
+ AED 0
Total
+ AED 0
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
Who wins each category
noon ecosystem (Food, .com, Minutes)
ENBD noon One Visa Credit Card
Concentrated high earn inside noon, free for life.
Flexible everyday cashback
Liv Cashback Credit Card
Tiered cashback across all spend, not tied to one ecosystem.
Accessibility
Liv Cashback Credit Card
Fully app-based onboarding from a low salary, free for life.
Rewards flexibility
Liv Cashback Credit Card
Cashback can be used freely; noon rewards are best inside noon.
The verdict
If a meaningful share of your spend runs through noon — groceries, food delivery, online shopping — the noon One's concentrated rewards are tough to beat. If your spend is spread across many merchants and you want simple, flexible cashback on everything, Liv Cashback is the more versatile pick. Neither charges an annual fee, so the choice comes down to your noon share: noon-heavy spenders lean noon One, everyone-else leans Liv Cashback. The calculator above settles it — enter your real monthly spend and compare.
Ready to choose?
Apply online in minutes — no branch visit needed.
Liv Cashback Credit Card
ENBD noon One Visa Credit Card
Liv Cashback Credit Card vs ENBD noon One Visa Credit Card: FAQ
Common questions about choosing between Liv Cashback Credit Card and ENBD noon One Visa Credit Card.
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