The card pays a flat cashback rate across all spend that rises with your monthly total: 0.75% to start, 1.5% once you spend above AED 5,000 in a month, and 2% above AED 10,000. Government and utility payments earn a reduced rate. Total cashback is capped at AED 750 per month.
Salaried in the UAE and want simple cashback?
Earn up to 2% flat cashback on everything.
Built for UAE-salaried residents who want straightforward rewards. Earn up to 2% cashback on all your spend, capped at AED 750/month — managed entirely in the Liv app. Free for life, from AED 5,000 salary.
Built for UAE-salaried residents who want straightforward rewards. Earn up to 2% cashback on all your spend, capped at AED 750/month — managed entirely in the Liv app. Free for life, from AED 5,000 salary.
Is this card right for you?
Quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with stable salary (AED 5,000+)
AED 5,000 monthly salary credited to a UAE bank account, with clean employer documentation and a valid Emirates ID and residence visa.
Wants simple flat cashback on everyday spend
Liv Cashback pays a flat rate across all your spend rather than chasing category bonuses. If you'd rather not track rotating categories or partner ecosystems, this is the fit.
Documents ready
Emirates ID, passport, and recent salary certificate or 3-month bank statement on hand — that's the full pack the app asks for at submission.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments or red flags on your AECB report. A recent decline or arrears is the top reason a UAE card application stalls.
Model your monthly cashback
Set your typical total monthly spend on the card. We'll model the flat cashback you'd earn under the AED 750/month cap.
120 AED
Monthly cashback
Annual value 1,440 AED at this spending mix.
Your typical total monthly spend across everything on the card.
Why this card wins on everyday spend
1.
Up to 2% flat cashback — no categories to track
Liv Cashback pays a flat rate across all your spend, rising to 2% above AED 10,000/month. No rotating categories, no partner ecosystems — every dirham earns the same headline rate.
2.
Cashback lands as real value, managed in the Liv app
Cashback accrues on your spend and is managed entirely in the Liv app — no separate portal, no points conversion. What you earn is straightforward cash value back on your account.
3.
Higher spend lifts your rate up to the cap
The earn rate steps up with monthly spend — 0.75% to start, 1.5% above AED 5,000, and 2% above AED 10,000 — earning up to AED 750/month in cashback. Use the calculator above to find your effective rate.
4.
Free for life — no annual fee, no joining fee
Liv lists both the joining and annual fee as free, with no waiver condition tied to spend. Your cashback is pure return — no fee to net against.
Liv Cashback FAQ
Get answers to common questions about credit cards, applications, and managing your finances in the UAE
Ready to start earning?
Pre-apply for the Liv Cashback Credit Card in 2 minutes — no commitment, no AECB credit-score impact.