What is the Liv Cashback Credit Card and what cashback rates do I earn in the UAE?

The Liv Cashback Credit Card is Emirates NBD's free-for-life digital cashback card, issued by Liv. You earn up to 2% cashback on all spends with tiered rates: 2% when monthly spend is AED 10,000+, 1.5% between AED 5,000 and AED 10,000, and 0.75% below AED 5,000. Cashback can be redeemed instantly as statement credit or converted to Skywards Miles.

Does the Liv Cashback Credit Card have an annual fee?

No. The Liv Cashback Credit Card is free for life — no joining fee, no annual maintenance fee, and no minimum spend requirement. The only requirement is a minimum monthly salary of AED 5,000.

Can I redeem Liv Cashback rewards as Skywards Miles?

Yes. Liv lets you choose cashback or Emirates Skywards Miles when redeeming your reward points in the app, with a minimum redemption of 500 points and a published monthly cap of 5,000 Skywards Miles. See the [Liv Skywards comparison](/credit-cards/liv-skywards) for both eligible cards and an interactive miles estimate.

What's the minimum salary for the Liv Cashback Credit Card?

The Liv Cashback Credit Card requires a minimum monthly salary of AED 5,000. The application is fully digital via the Liv X app — no branch visit required.

What's the difference between Liv Cashback and Liv Cashback+ (Plus)?

Liv Cashback is free-for-life: 0.75% below AED 5,000/month, 1.5% from AED 5,000, 2% from AED 10,000, min. salary AED 5,000. Liv Cashback+ starts at 1%, steps to 2% from AED 7,000, then 4% from AED 15,000/month, plus airport lounge access, but has an AED 735 annual fee and needs AED 15,000 min. salary. Both use a 0.1% low-merchant tier that expressly names government, utilities and bill payments. Cashback+ only pulls ahead once spend clears AED 15,000/month, clearing its fee within three months. See [Liv Cashback+ details](/credit-cards/liv-cashback-plus-credit-card/details) to compare.

Is the Liv Cashback Card the same as the ENBD or Emirates NBD Cashback Card?

Yes. Liv is the digital banking arm of Emirates NBD, so the Liv Cashback Card is sometimes referenced as 'ENBD Liv Cashback Credit Card' or 'Emirates NBD Liv Cashback Card' on comparison sites. It's the same product, issued by Emirates NBD under the Liv brand.

How do I activate my Liv card upon receiving it?

Once you receive your new card, simply go to Settings > Activate at the top of the page in the Liv app. If you can't find the 'Activate' button, chat with us for assistance.

How can I top up my Liv account using another UAE bank's debit card?

Add your other bank's debit card details in the Liv app, then move money anytime with just one click. You can top up your account up to 2 times a day, with a minimum of AED 100 per top-up.

What is the 'Loan on Card' facility, and how can I avail it?

The 'Loan on Card' program allows you to get a portion of your available Credit Card limit as cash, transferred directly to your Liv main account. This facility is available for all active Liv Credit Card holders with a minimum credit limit of AED 1,000.

Which transactions are NOT eligible for cashback?

Below transactions will be excluded when your cashback is calculated: - Payments made on the credit card via the Liv app (e.g., bill payments) - Instalment plan repayments (e.g., EMIs) - Payments made towards the credit card outstanding - ATM withdrawals from the credit card