Liv Cashback Credit Card

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 Emirates Skywards Miles.

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.

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.

Liv Cashback is free-for-life with up to 2% cashback and a minimum salary of AED 5,000. Liv Cashback+ (also written as Liv Cashback Plus) offers up to 4% cashback, complimentary airport lounge access, and a higher monthly cashback cap, but carries an AED 735 annual fee and requires AED 15,000 minimum salary.

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.

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.

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.

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.

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