Card face-off
Liv Cashback vs ENBD noon One Credit Card: which is better in the UAE? (2026)
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.
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 | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
 | Free | Free | 3.14% | AED 5,000 | Flexible tiered cashback across all spend, free for life. Reduced to 0.1% on Government and Utilities. |
 | Free | Free | 3.14% | AED 5,000 | Concentrated high rewards inside the noon ecosystem, free for life. |
| Card | Annual fee | Joining fee | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
| Free | Free | 3.14% | AED 5,000 | Flexible tiered cashback across all spend, free for life. Reduced to 0.1% on Government and Utilities. |
| Free | Free | 3.14% | AED 5,000 | Concentrated high rewards inside the noon ecosystem, free for life. |
Liv Cashback Credit Card
Annual feeFree
Joining feeFree
Foreign transaction fee3.14%
Min. salaryAED 5,000
HighlightFlexible tiered cashback across all spend, free for life. Reduced to 0.1% on Government and Utilities.
ENBD noon One Visa Credit Card
Annual feeFree
Joining feeFree
Foreign transaction fee3.14%
Min. salaryAED 5,000
HighlightConcentrated high rewards inside the noon ecosystem, free for life.
Which card is better for what
Six answers compare Liv Cashback and ENBD noon One Visa on general everyday spend, general everyday spend past AED 10,000 a month, groceries, spending abroad, spend at these cards' own merchants, and 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.
AED 1,950 of that total sits at Noon Food, NowNow and noon, which is where the co-brand rates apply. 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.
Neither card charges an annual fee, and 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 624, after each card's annual fee.
Modelled monthly spend
GroceryAED 2,500
Government, Utilities, TelecomAED 900
EntertainmentAED 600
Everything elseAED 4,000
TotalAED 8,000
Annual return
Liv Cashback Credit Card1.34% of the profile, after everything+ AED 1,289
ENBD noon One Visa Credit Card0.65% of the profile, after everything+ AED 624
Best for general everyday spend past AED 10,000 a month: Liv 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. That puts it on AED 4,723 a year against AED 1,847 for ENBD noon One Visa.
Modelled monthly spend
GroceryAED 4,500
EntertainmentAED 2,200
Government, Utilities, TelecomAED 1,600
Everything elseAED 12,900
TotalAED 21,200
Annual return
Liv Cashback Credit Card1.86% of the profile, after everything+ AED 4,723
ENBD noon One Visa Credit Card0.73% of the profile, after everything+ AED 1,847
Best for groceries: Liv Cashback
On AED 4,500 a month of groceries, Liv Cashback earns AED 90 against AED 14. It keeps more over the year too, AED 2,195 against AED 696, after each card's annual fee.
Modelled monthly spend
GroceryAED 4,500
Government, Utilities, TelecomAED 900
EntertainmentAED 600
Everything elseAED 4,000
TotalAED 10,000
Annual return
Liv Cashback Credit Card1.83% of the profile, after everything+ AED 2,195
ENBD noon One Visa Credit Card0.58% of the profile, after everything+ AED 696
Best for spending abroad: Liv Cashback
Both cost the same to spend abroad. On AED 2,400 of foreign spend a month, each charges 3.14%, or AED 904 a year. So this comes down to what they earn on it: Liv Cashback keeps AED 1,135 a year against a loss of AED 276.
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 1,303
Benefits usedAirport lounge × 4+ AED 736
Foreign transaction fee3.14% on spend abroad– AED 904
Total1.18% of the profile, after everything+ AED 1,135
ENBD noon One Visa Credit Card
Rewards+ AED 628
Foreign transaction fee3.14% on spend abroad– AED 904
Totalthe fee is more than it earns on this profile– AED 276
Best inside Noon Food, NowNow and noon: ENBD noon One Visa
With AED 1,950 a month going through Noon Food, NowNow and noon, ENBD noon One Visa ends the year on AED 3,200 against AED 1,322. That is the same month as the general answer above with a quarter of it moved to those merchants.
Same AED 8,000 a month, with AED 1,950 of it at Noon Food, NowNow and noon.
Modelled monthly spend
Noon FoodAED 650
NowNowAED 650
noon / noon Minutes +2 moreAED 650
GroceryAED 1,900
Everything elseAED 4,150
TotalAED 8,000
Annual return
Liv Cashback Credit Card1.38% of the profile, after everything+ AED 1,322
ENBD noon One Visa Credit Card3.33% of the profile, after everything+ AED 3,200
Best for rent: Liv Cashback
On AED 6,000 a month of rent, Liv Cashback earns AED 120 against AED 18. It keeps more over the year too, AED 3,155 against AED 840, after each card's annual fee.
Modelled monthly spend
Real EstateAED 6,000
GroceryAED 2,500
Government, Utilities, TelecomAED 900
EntertainmentAED 600
Everything elseAED 4,000
TotalAED 14,000
Annual return
Liv Cashback Credit Card1.88% of the profile, after everything+ AED 3,155
ENBD noon One Visa Credit Card0.5% of the profile, after everything+ AED 840
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
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
noon / noon Minutes / Namshi / supermall
0.75%
AED 0
0.75% · AED 0
noon / noon Minutes / Namshi / supermall
5%
AED 0
5% · AED 0
Entertainment
0.75%
AED 0
0.75% · AED 0
Entertainment
0.3%
AED 0
0.3% · AED 0
Insurance
0.75%
AED 0
0.75% · AED 0
Insurance
0.3%
AED 0
0.3% · AED 0
Automotive
0.75%
AED 0
0.75% · AED 0
Automotive
0.3%
AED 0
0.3% · AED 0
Quasi-Cash
0.75%
AED 0
0.75% · AED 0
Quasi-Cash
0.3%
AED 0
0.3% · AED 0
Grocery
0.75%
AED 0
0.75% · AED 0
Grocery
0.3%
AED 0
0.3% · AED 0
Real Estate
0.75%
AED 0
0.75% · AED 0
Real Estate
0.3%
AED 0
0.3% · AED 0
Education
0.75%
AED 0
0.75% · AED 0
Education
0.3%
AED 0
0.3% · AED 0
Government, Utilities, Telecom
0.1%
AED 0
0.1% · AED 0
Government, Utilities, Telecom
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
Airport Lounge Access
AED 736
Airport Lounge Access
—
VOX Cinemas BOGO
AED 528
VOX Cinemas BOGO
—
Free noon One membership
—
Free noon One membership
AED 144
Annual Fee
Free
Annual Fee
Free
Total
+ AED 1,264
Total
+ AED 144
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 665 a year, AED 1,289 against AED 624 for ENBD noon One Visa. 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 five: general everyday spend, general everyday spend past AED 10,000 a month, groceries, spending abroad and rent. ENBD noon One Visa answers one: spend at these cards' own merchants. Which of those months looks most like yours is what decides it, so the calculator above is worth a minute with your own figures.
Neither card charges an annual fee on these profiles, so every figure above is kept in full and there is no break-even to clear on either side.
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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.