Card face-off
Liv Cashback vs Wio: which is better in the UAE? (2026)
Liv Cashback and Wio 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 Wio 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 588 (waivable) | Free | 3.15% | AED 5,000 | 2% Cashback on most spends. Reduced to 0.5% on Real Estate, Fuel, Transportation, Government and Utilities. |
| 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 588 (waivable) | Free | 3.15% | AED 5,000 | 2% Cashback on most spends. Reduced to 0.5% on Real Estate, Fuel, Transportation, Government and Utilities. |
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.
Wio Credit Card
Annual feeAED 588 (waivable)
Joining feeFree
Foreign transaction fee3.15%
Min. salaryAED 5,000
Highlight2% Cashback on most spends. Reduced to 0.5% on Real Estate, Fuel, Transportation, Government and Utilities.
Which card is better for what
Five answers compare Liv Cashback and Wio on general everyday spend; general everyday spend past AED 10,000 a month; 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.
Annual totals are net of each card's annual fee: none for Liv Cashback and AED 588 for Wio. 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 990, after each card's annual fee. Wio's AED 588 fee is waivable, though not by spending more. Waived, it takes the year instead, AED 1,578 against AED 1,289.
Modelled monthly spend
Government, UtilitiesAED 900
FuelAED 600
TransportationAED 400
Everything elseAED 6,100
TotalAED 8,000
Annual return
Liv Cashback Credit Card1.34% of the profile, after everything+ AED 1,289
Wio Credit Card
Rewards+ AED 1,578
Annual fee
– AED 588
Total1.03% of the profile, after everything+ AED 990
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 3,780 for Wio.
Modelled monthly spend
Government, UtilitiesAED 1,600
FuelAED 1,200
TransportationAED 1,200
Everything elseAED 17,200
TotalAED 21,200
Annual return
Liv Cashback Credit Card1.86% of the profile, after everything+ AED 4,723
Wio Credit Card
Rewards+ AED 4,368
Annual fee
– AED 588
Total1.49% of the profile, after everything+ AED 3,780
Best for spending abroad: Liv Cashback
On AED 2,400 of foreign spend a month, Liv Cashback charges 3.14%, which comes to AED 904 a year. Wio charges 3.15%, which comes to AED 907 a year. That leaves Liv Cashback ahead over the year, AED 1,142 against AED 103.
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 1,310
Benefits usedAirport lounge × 4+ AED 736
Foreign transaction fee3.14% on spend abroad– AED 904
Total1.19% of the profile, after everything+ AED 1,142
Wio Credit Card
Rewards+ AED 1,598
Annual fee
– AED 588
Foreign transaction fee3.15% on spend abroad– AED 907
Total0.11% of the profile, after everything+ AED 103
Best for fuel and commuting: Liv Cashback
On AED 2,100 a month of fuel and commuting, Liv Cashback earns AED 32 against AED 11. It keeps more over the year too, AED 1,487 against AED 1,056, after each card's annual fee. Wio's AED 588 fee is waivable, though not by spending more. Waived, it takes the year instead, AED 1,644 against AED 1,487.
Modelled monthly spend
FuelAED 1,200
TransportationAED 900
Government, UtilitiesAED 900
Everything elseAED 6,100
TotalAED 9,100
Annual return
Liv Cashback Credit Card1.36% of the profile, after everything+ AED 1,487
Wio Credit Card
Rewards+ AED 1,644
Annual fee
– AED 588
Total0.97% of the profile, after everything+ AED 1,056
Best for rent: Liv Cashback
On AED 6,000 a month of rent, Liv Cashback earns AED 120 against AED 30. It keeps more over the year too, AED 3,155 against AED 1,350, after each card's annual fee.
Modelled monthly spend
Real EstateAED 6,000
Government, UtilitiesAED 900
FuelAED 600
TransportationAED 400
Everything elseAED 6,100
TotalAED 14,000
Annual return
Liv Cashback Credit Card1.88% of the profile, after everything+ AED 3,155
Wio Credit Card
Rewards+ AED 1,938
Annual fee
– AED 588
Total0.8% of the profile, after everything+ AED 1,350
Which card earns more on your spend?
Adjust your monthly spending to see how cashback changes across cards.
Fuel
0.75%
AED 0
0.75% · AED 0
Fuel
0.5%
AED 0
0.5% · AED 0
Real Estate
0.75%
AED 0
0.75% · AED 0
Real Estate
0.5%
AED 0
0.5% · AED 0
Transportation
0.75%
AED 0
0.75% · AED 0
Transportation
0.5%
AED 0
0.5% · AED 0
Government, Utilities
0.1%
AED 0
0.1% · AED 0
Government, Utilities
0.5%
AED 0
0.5% · AED 0
Other Spends
0.75%
AED 0
0.75% · AED 0
Other Spends
2%
AED 0
2% · AED 0
Airport Lounge Access
AED 736
Airport Lounge Access
—
VOX Cinema Tickets
AED 528
VOX Cinema Tickets
—
Annual Fee
Free
Annual Fee
– AED 588
Total
+ AED 1,264
Total
– AED 588
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 299 a year, AED 1,289 against AED 990 for Wio. 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.
Liv Cashback answers all five of the questions above: general everyday spend; general everyday spend past AED 10,000 a month; spending abroad; fuel and commuting; rent. The order does not change with your mix, only the size of the gap.
The fee asymmetry matters. Liv Cashback carries none, while Wio has to return AED 588 a year before it breaks even, roughly AED 49 of rewards a month just to draw level. Every figure above is already net of that. Wio's is waivable, though not by spending more. Waived, it takes two of the answers above instead: general everyday spend; fuel and commuting.
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Liv Cashback Credit Card vs Wio Credit Card: FAQ
Common questions about choosing between Liv Cashback Credit Card and Wio Credit Card.