Liv Cashback is free for life with up to 2% cashback (AED 5,000 minimum salary) and an AED 750 monthly cashback cap. Liv Cashback+ adds up to 4% cashback, complimentary airport lounge access, and a higher AED 1,500 monthly cap, but carries an AED 735 annual fee and requires AED 15,000 minimum salary.
Best Liv Cashback Cards — Compare Liv Cashback and Liv Cashback+
Compare the two Liv Cashback cards from Emirates NBD — the free-for-life Liv Cashback Card with up to 2% on all spending, and the premium Liv Cashback+ (Plus) with up to 4% and airport lounge access.
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LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
≈ AED 8,068 potential value / year · incl. perks · Cashback mode
Up to 2% Cashback on all spends
Cashback or Skywards Miles
2 Free Movie Tickets + 20% off on F&B at VOX Cinemas
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback+ Credit Card
≈ AED 15,328 potential value / year · incl. perks · Cashback mode
Up to 4% Cashback on all spends
Cashback or Skywards Miles
3 Free Movie Tickets + 20% off on F&B at VOX Cinemas
Best Liv Cashback Cards — Compare Liv Cashback and Liv Cashback+ compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 5,000 | Free for life, up to 2% cashback on eligible spending, with Skywards Miles available at redemption |
| AED 735 | AED 15,000 | Up to 4% tiered cashback, AED 1,500/month cap, airport lounge access, VOX offers, Careem airport transfer |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 5,000 | Free for life, up to 2% cashback on eligible spending, with Skywards Miles available at redemption |
| AED 735 | AED 15,000 | Up to 4% tiered cashback, AED 1,500/month cap, airport lounge access, VOX offers, Careem airport transfer |
Liv Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightFree for life, up to 2% cashback on eligible spending, with Skywards Miles available at redemption
Liv Cashback+ Credit Card
Annual feeAED 735
Min. salaryAED 15,000
HighlightUp to 4% tiered cashback, AED 1,500/month cap, airport lounge access, VOX offers, Careem airport transfer
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
- Get 20% back as noon credits when you spend on noon food
- Get 5% back as noon credits when you spend on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
Why choose Liv Cashback
1.
Up to 4% cashback on all spending
Liv Cashback+ earns up to 4% on every purchase with tiered rates that unlock as monthly spend grows. Liv Cashback earns up to 2% with the same tiered structure but free for life.
2.
Cashback or Skywards Miles
Choose cashback or Emirates Skywards Miles when you redeem your Liv reward points in the app. Redemption starts at 500 points.
3.
Free-for-life entry
The Liv Cashback Card has zero annual fee, zero joining fee, and zero minimum spend — one of the easiest free cashback cards in the UAE from AED 5,000 salary.
4.
Premium perks on Cashback+
Liv Cashback+ adds complimentary LoungeKey airport lounge access, 3 VOX movie tickets per month, and Careem airport transfer credits.
What you would earn monthly
Adjust your monthly spending to see how cashback changes across cards.
Government, Utilities +2 more
0.1%
AED 0
0.1% · AED 0
Government, Utilities +2 more
0.1%
AED 0
0.1% · AED 0
Other Spends
1%
AED 0
1% · AED 0
Other Spends
0.75%
AED 0
0.75% · AED 0
Airport Lounge Access
AED 1,472
Airport Lounge Access
AED 736
VOX Cinemas BOGO
AED 528
VOX Cinemas BOGO
AED 528
Careem Airport Transfer
AED 60
Careem Airport Transfer
—
Annual Fee
– AED 735
Annual Fee
Free
Total
+ AED 1,325
Total
+ AED 1,264
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
2 cards in the UAE
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
- Salary: AED 5,000+
- Free for life
- Up to 2% Cashback on all spends
- Cashback or Skywards Miles
- 2 Free Movie Tickets + 20% off on F&B at VOX Cinemas
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback+ Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 735
- Up to 4% Cashback on all spends
- Cashback or Skywards Miles
- 3 Free Movie Tickets + 20% off on F&B at VOX Cinemas
How to apply for a Liv Cashback card
Follow these steps to complete your application.
1.Visit the Liv website or app, check eligibility, and verify your mobile number and email with OTP
2.Complete eKYC — scan your passport, Emirates ID, and pass a selfie liveness check
3.Select Liv Cashback or Liv Cashback+, then fill in employment details, address, and tax information
4.Get instant approval — activate your virtual card immediately, physical card arrives via Aramex in 2–3 business days
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000–15,000 |
| Employment | Employed in the UAE (salaried applicants) |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Multiple passports | Applicants must not hold multiple passports |
| PEP status | Applicants must not be a Politically Exposed Person (PEP) |
| Passport sanctions | Applicants must not hold a passport from a sanctioned country |
| Sanctions activity | Applicants must not perform transactions with sanctioned jurisdictions |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| One card per customer | Only one Liv credit card can be active at a time across all products |
| Minimum age | 21 years |
| Monthly salary | AED 5,000–15,000 |
| Employment | Employed in the UAE (salaried applicants) |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Multiple passports | Applicants must not hold multiple passports |
| PEP status | Applicants must not be a Politically Exposed Person (PEP) |
| Passport sanctions | Applicants must not hold a passport from a sanctioned country |
| Sanctions activity | Applicants must not perform transactions with sanctioned jurisdictions |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| One card per customer | Only one Liv credit card can be active at a time across all products |
Sanctioned jurisdictions list (2026): Belarus, Ukraine (Crimea, Donetsk, Luhansk), Cuba, Iran, North Korea, North Sudan, Russia, Syria. Self-employed professionals are not eligible for Liv credit cards. Always confirm the latest eligibility details with the bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best Liv Cashback Cards — Compare Liv Cashback and Liv Cashback+ in the UAE
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