Card face-off
Liv Cashback vs Rakbank Titanium: which is better in the UAE? (2026)
Rakbank
Rakbank Titanium Credit Card
Liv Cashback and Rakbank Titanium 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 Rakbank Titanium 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. |
| Free | Free | 3.72% | AED 8,000 | Up to 5% Cashback on Supermarkets, Dining. Reduced to 0.25% on Charity, Government, Bills, Education, Transportation, Telecom, Real Estate 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. |
| Free | Free | 3.72% | AED 8,000 | Up to 5% Cashback on Supermarkets, Dining. Reduced to 0.25% on Charity, Government, Bills, Education, Transportation, Telecom, Real Estate 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.
Rakbank Titanium Credit Card
Annual feeFree
Joining feeFree
Foreign transaction fee3.72%
Min. salaryAED 8,000
HighlightUp to 5% Cashback on Supermarkets, Dining. Reduced to 0.25% on Charity, Government, Bills, Education, Transportation, Telecom, Real Estate and Fuel.
Which card is better for what
Seven answers compare Liv Cashback and Rakbank Titanium on general everyday spend; general everyday spend past AED 10,000 a month; groceries; dining and food delivery; spending abroad; fuel and commuting; 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.
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. Liv Cashback needs a salary of AED 5,000 a month and Rakbank Titanium AED 8,000.
Best for general everyday spend: Rakbank Titanium
Rakbank Titanium returns more across the whole profile — AED 2,490 a year against AED 1,289, after each card's annual fee.
Modelled monthly spend
GroceryAED 2,500
DiningAED 1,500
UtilitiesAED 900
FuelAED 600
Everything elseAED 2,500
TotalAED 8,000
Annual return
Liv Cashback Credit Card1.34% of the profile, after everything+ AED 1,289
Rakbank Titanium Credit Card2.59% of the profile, after everything+ AED 2,490
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 3,588 for Rakbank Titanium.
Modelled monthly spend
DiningAED 5,000
GroceryAED 4,500
UtilitiesAED 1,600
TransportationAED 1,200
Everything elseAED 8,900
TotalAED 21,200
Annual return
Liv Cashback Credit Card1.86% of the profile, after everything+ AED 4,723
Rakbank Titanium Credit Card1.41% of the profile, after everything+ AED 3,588
Best for groceries: Rakbank Titanium
On AED 4,500 a month of groceries, Rakbank Titanium earns AED 100 against AED 90. It keeps more over the year too, AED 2,490 against AED 2,195, after each card's annual fee.
Modelled monthly spend
GroceryAED 4,500
DiningAED 1,500
UtilitiesAED 900
FuelAED 600
Everything elseAED 2,500
TotalAED 10,000
Annual return
Liv Cashback Credit Card1.83% of the profile, after everything+ AED 2,195
Rakbank Titanium Credit Card2.08% of the profile, after everything+ AED 2,490
Best for dining and food delivery: Rakbank Titanium
On AED 3,000 a month of dining and food delivery, Rakbank Titanium earns AED 100 against AED 45. It keeps more over the year too, AED 2,790 against AED 1,559, after each card's annual fee.
Modelled monthly spend
DiningAED 3,000
GroceryAED 2,500
UtilitiesAED 900
FuelAED 600
Everything elseAED 2,500
TotalAED 9,500
Annual return
Liv Cashback Credit Card1.37% of the profile, after everything+ AED 1,559
Rakbank Titanium Credit Card2.45% of the profile, after everything+ AED 2,790
Best for spending abroad: Rakbank Titanium
On AED 2,400 of foreign spend a month, Rakbank Titanium charges 3.72%, which comes to AED 1,071 a year. Liv Cashback charges 3.14%, which comes to AED 904 a year. The charge is not what decides it: Rakbank Titanium earns more on that spend and keeps AED 1,719 a year 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
Rakbank Titanium Credit Card
Rewards+ AED 2,790
Foreign transaction fee3.72% on spend abroad– AED 1,071
Total1.79% of the profile, after everything+ AED 1,719
Best for fuel and commuting: Rakbank Titanium
On AED 2,100 a month of fuel and commuting, Liv Cashback earns AED 32 against AED 5. Rakbank Titanium still shows the higher annual total, AED 2,523 against AED 1,487, because it earns more across the rest of the month.
Modelled monthly spend
FuelAED 1,200
TransportationAED 900
GroceryAED 2,500
DiningAED 1,500
Everything elseAED 3,000
TotalAED 9,100
Annual return
Liv Cashback Credit Card1.36% of the profile, after everything+ AED 1,487
Rakbank Titanium Credit Card2.31% of the profile, after everything+ AED 2,523
Best for rent: Liv Cashback
On AED 6,000 a month of rent, Liv Cashback earns AED 120 against AED 15. It keeps more over the year too, AED 3,155 against AED 2,670, after each card's annual fee.
Modelled monthly spend
Real EstateAED 6,000
GroceryAED 2,500
DiningAED 1,500
UtilitiesAED 900
Everything elseAED 3,100
TotalAED 14,000
Annual return
Liv Cashback Credit Card1.88% of the profile, after everything+ AED 3,155
Rakbank Titanium Credit Card1.59% of the profile, after everything+ AED 2,670
Which card earns more on your spend?
Adjust your monthly spending to see how cashback changes across cards.
Cinema
0.75%
AED 0
0.75% · AED 0
Cinema
—
Grocery
0.75%
AED 0
0.75% · AED 0
Grocery
—
Dining
0.75%
AED 0
0.75% · AED 0
Dining
—
Digital Wallet
0.75%
AED 0
0.75% · AED 0
Digital Wallet
—
Charity
0.75%
AED 0
0.75% · AED 0
Charity
—
Education
0.75%
AED 0
0.75% · AED 0
Education
—
Transportation
0.75%
AED 0
0.75% · AED 0
Transportation
—
Real Estate
0.75%
AED 0
0.75% · AED 0
Real Estate
—
Fuel
0.75%
AED 0
0.75% · AED 0
Fuel
—
Utilities
0.1%
AED 0
0.1% · AED 0
Utilities
—
Government
0.1%
AED 0
0.1% · AED 0
Government
—
Bills
0.1%
AED 0
0.1% · AED 0
Bills
—
Telecom
0.1%
AED 0
0.1% · AED 0
Telecom
—
Other Spends
0.75%
AED 0
0.75% · AED 0
Other Spends
—
Airport Lounge Access
AED 736
Airport Lounge Access
—
VOX Cinemas BOGO
AED 528
VOX Cinemas BOGO
—
Video Streaming Cashback
—
Video Streaming Cashback
AED 360
Annual Fee
Free
Annual Fee
Free
Total
+ AED 1,264
Total
+ AED 360
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 Rakbank Titanium comes out ahead by AED 1,201 a year, AED 2,490 against AED 1,289 for Liv Cashback. 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. Rakbank Titanium answers five: general everyday spend; groceries; dining and food delivery; spending abroad; fuel and commuting. Liv Cashback answers two: general everyday spend past AED 10,000 a month and rent. 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.
There is a condition attached. Rakbank Titanium pays nothing at all in a month where total card spend falls below AED 2,000 — 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.
Eligibility separates them too: Liv Cashback opens at AED 5,000 a month against AED 8,000 for Rakbank Titanium. If you sit between the two thresholds the comparison is settled for you regardless of which earns more.
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Liv Cashback Credit Card
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Liv Cashback Credit Card vs Rakbank Titanium Credit Card: FAQ
Common questions about choosing between Liv Cashback Credit Card and Rakbank Titanium Credit Card.