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

Liv Cashback and FAB Cashback both compete for everyday UAE spend, and searchers usually land here trying to work out which one keeps more of it. The figures below are computed from each card's live reward rules at AED 8,000 a month, net of annual fees — not from headline rates, which rarely survive contact with real category caps. Perks like lounge access and cinema tickets are valued separately in the calculator's total rather than folded into these figures, since what they are worth depends entirely on whether you use them.

On an AED 8,000-a-month profile FAB Cashback comes out ahead by AED 382 a year — AED 1,738 net against AED 1,356 for Liv Cashback. That gap is after each card's annual fee, so it is the number to judge them on rather than the advertised rate.

Neither card sweeps. Liv Cashback takes 3 of the spend categories above and FAB Cashback takes 5, which means the right answer depends on where your money actually goes — a profile weighted toward the categories the runner-up wins can flip the total. Enter your own spend in the calculator above rather than trusting the default split.

The fee asymmetry matters. Liv Cashback carries no annual fee, so everything it earns is kept, while FAB Cashback has to return AED 315 a year before it breaks even — roughly AED 26 of rewards a month just to draw level.