What is the Liv Cashback+ (Plus) Credit Card and what cashback rates does it offer?

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.

Does the Liv Cashback+ card have airport lounge access?

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.

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 10,000 Skywards Miles. See the [Liv Skywards comparison](/credit-cards/liv-skywards) to compare it with the free Liv Cashback card.

What's the minimum salary for the Liv Cashback+ card?

Liv Cashback+ requires a minimum monthly salary of AED 15,000. The card has an annual fee of AED 735 (waived for Liv Max users). Applications are fully digital via the Liv X app.

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

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 drop to 0.1% on government, utilities, travel and transportation. 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](/credit-cards/liv-cashback-credit-card/details) is the simpler free default.

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

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.

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

Liv Cashback+ Credit Card — Up to 4% Cashback 2026

Rewards

4%

cashback on spends AED 15,000+

All transactions earn the new rate when you upgrade tiers. Monthly cap: AED 1,500.

See full breakdown

2%

cashback on spends AED 7,000 - 14,999

All transactions earn the new rate when you upgrade tiers. Monthly cap: AED 1,500.

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1%

cashback on spends up to AED 6,999

All transactions earn the new rate when you upgrade tiers. Monthly cap: AED 1,500.

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0.1%

cashback on low merchant categories

Low merchant categories include government, utilities, travel, transportation, and bill payments. Earns 0.1% cashback with same monthly cap.

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10,000

Skywards Miles monthly cap if used instead of cashback

Skywards mode has a published monthly cap of 10,000 miles. A minimum balance of 500 Liv reward points applies.

See full breakdown

Rewards Calculator

Offers

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Entertainment

Merchant

CLYMB Yas Island

Yas Island - Abu Dhabi 20% off on general admission tickets +10% off on food and beverages

Valid until 15 May 2027

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Entertainment

Merchant

Ferrari World Yas Island

Yas Island - Abu Dhabi 20% off on general admission tickets +10% off on food and beverages

Valid until 15 May 2027

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Entertainment

Merchant

SeaWorld® Yas Island

Yas Island - Abu Dhabi 20% off on general admission tickets +10% off on food and beverages

Valid until 15 May 2027

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Entertainment

Merchant

Warner Bros. World Yas Island

Yas Island - Abu Dhabi 20% off on general admission tickets +10% off on food and beverages

Valid until 15 May 2027

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Additional Benefits

LivMyBrew Offers

Exclusive discounts, B1G1 deals and freebies across 50+ coffee shops (valid until August 2026).

Airport Lounge Access

Up to 8 lounge visits or dining offers per calendar year.

Access 800+ lounges via Mastercard Travel Pass. Make a USD 1 equivalent cross-border transaction to activate eligibility for 3 months.

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USD 500,000 Travel Medical Insurance

Comprehensive travel health coverage up to USD 500,000.

Up to 3 VOX B1G1 Offers Monthly

VOX B1G1 up to three times monthly, plus 25% off one F&B item when spending AED 40+ on VOX F&B.

The ticket benefit is buy-one-get-one, so a qualifying ticket must be purchased. Eligible ticket types apply. The F&B discount applies to one item per transaction when total VOX F&B spend is at least AED 40.

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0% Instalment Plans

at your favourite merchants. One-time processing fee of AED 49.

Loan on Card

Instant loan at competitive rates (available after 6 months of card issuance). One-time processing fee of AED 49.

20% Talabat Discount

up to AED 14 on 1 grocery or food order per month. Use code "MASTERCARD" at checkout.

Careem Airport Transfer

1 complimentary airport transfer per year. Use promo code MAUAE2.

ExpressVPN Trial and Discount

30-day trial + up to 51% off 12-month plan (4 extra months) or 61% off 24-month plan (4 extra months).

Global Blue VIP Services