The rate rises with monthly spend: 1% to start, 2% above AED 7,000, and 4% above AED 15,000 in a month. Government and utility payments earn a reduced 0.5%. Total cashback is capped at AED 1,500 per month.
High spender who wants the top cashback tier?
Earn up to 4% cashback on everything.
Built for UAE-salaried high spenders. The Liv Cashback Plus card pays up to 4% cashback on all spend above AED 15,000/month (1% to 2% below), capped at AED 1,500/month, with access to 800+ airport lounges. From AED 15,000 salary.
Built for UAE-salaried high spenders. The Liv Cashback Plus card pays up to 4% cashback on all spend above AED 15,000/month (1% to 2% below), capped at AED 1,500/month, with access to 800+ airport lounges. From AED 15,000 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 15,000+)
AED 15,000 monthly salary credited to a UAE bank account, with clean employer documentation and a valid Emirates ID and residence visa.
Spends AED 15,000+ a month on card
The headline 4% rate only applies above AED 15,000 monthly spend (2% above AED 7,000, 1% below). If your card spend is lighter, the free Liv Cashback card earns up to 2% with no fee — compare both first.
Spends enough to clear the annual fee
Year one costs AED 735 joining + AED 735 annual. At 4% the fee pays back for a consistent high spender, but a light month may not — use the calculator to check your break-even.
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 cashback you'd earn under the AED 1,500/month cap.
600 AED
Monthly cashback
Annual value 7,200 AED at this spending mix.
Your typical total monthly spend across everything on the card.
Why this card wins for high spenders
1.
Up to 4% cashback — the top flat rate on a UAE card
Above AED 15,000/month spend, every dirham earns 4% cashback (2% above AED 7,000, 1% below). No categories to track — the whole card earns the same headline rate up to the cap.
2.
Cashback managed in the Liv app
Cashback accrues on eligible spend and is managed entirely in the Liv app as cash value — no points conversion, no separate redemption portal.
3.
800+ airport lounges included
Complimentary access to 800+ airport lounges worldwide sits on top of the cashback — a travel perk that adds real value for a frequent flyer.
4.
Higher spend lifts your rate up to AED 1,500/month
The earn rate steps up with monthly spend and caps at AED 1,500/month in cashback. Use the calculator above to see your effective rate and whether the fee clears.
Liv Cashback Plus 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 Plus Credit Card in 2 minutes — no commitment, no AECB credit-score impact.