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 complimentary airport lounge access through the LoungeKey programme, with access to 800+ lounges worldwide.

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.

Cashback+ starts at 1%, steps to 2% from AED 7,000/month spend, 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 cards drop to 0.1% on government, utilities, travel and transportation.

Cashback+'s real edge is the top tier: at AED 15,000+/month it earns roughly AED 300+/month more than Cashback's 2% ceiling, clearing the AED 735 annual fee in under three months and compounding from there. Below AED 15,000/month, the two cards trade small edges by spend band rather than one clearly beating the other — Liv Cashback is the simpler free default until your spend consistently clears AED 15,000. Both cards' monthly caps bind at the same AED 37,500 in spend (Cashback+'s AED 1,500 cap ÷ 4% = Cashback's AED 750 cap ÷ 2%), so Cashback+'s advantage above the fee breakeven is the higher rate itself, plus the complimentary airport lounge access bundled with the card.

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