Liv Cashback+ Credit Card

The Liv Cashback+ Credit Card — also written as Liv Cashback Plus — is Emirates NBD's premium digital cashback card, issued by Liv. You earn up to 4% cashback on all spends with tiered rates: 4% when monthly spend is AED 15,000+, 2% between AED 7,000 and AED 15,000, and 1% below AED 7,000. The card includes complimentary airport lounge access and an AED 1,500 monthly cashback cap.

Yes. The Liv Cashback+ Credit Card includes up to 8 airport lounge visits per calendar year through the Mastercard Travel Pass programme. Each 3-month eligibility period requires a USD 1 equivalent cross-border transaction to activate.

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 10,000 Skywards Miles. See the Liv Skywards comparison to compare it with the free Liv Cashback card.

Liv Cashback+ requires a minimum monthly salary of AED 15,000. The card has an AED 735 annual fee. Liv Max subscribers receive a first-year AED 735 charge reversal within two weeks of approval. Applications are fully digital via the Liv X app.

Cashback+ starts at 1%, steps to 2% from AED 7,000/month, then 4% from AED 15,000/month — versus free Liv Cashback's 0.75%/1.5%/2% tiers at AED 0/5,000/10,000. Both use a 0.1% low-merchant tier that expressly names government, utilities and bill payments.

Cashback+ pulls ahead once spend clears AED 15,000/month: its 4% tier earns roughly AED 300+/month more than Cashback's 2% ceiling, clearing the AED 735 annual fee in under three months. Below that, the two trade small edges by spend band, so Liv Cashback is the simpler free default.

Liv Cashback+ is issued under Liv, the digital banking arm of Emirates NBD. You may see it referenced as 'ENBD Liv Cashback Plus' or 'Emirates NBD Liv Cashback+ Credit Card' on comparison sites — they all refer to the same product.

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