The Liv Cashback Plus Credit Card applies its tiered cashback rate to every transaction in a billing cycle, including rent paid through a card-accepting platform that codes as MCC 6513 (real-estate / rental housing). The rate depends on your total monthly card spend: 1% below AED 10,000, 2% between AED 10,000 and AED 15,000, and 4% at AED 15,000+ — capped at AED 1,500/month across all categories.
Pay rent on credit
Earn up to 4% cashback on your UAE rent.
Most UAE credit cards pay just 0.1% on rent (MCC 6513). The Liv Cashback Plus Credit Card pays its full headline rate when your monthly card spend qualifies. Route your rent through Tern by bank transfer — no service fee — and keep every dirham of cashback Liv pays you.
Most UAE credit cards pay just 0.1% on rent (MCC 6513). The Liv Cashback Plus Credit Card pays its full headline rate when your monthly card spend qualifies. Route your rent through Tern by bank transfer — no service fee — and keep every dirham of cashback Liv pays you.
Same rent, different cadences
Take a typical AED 150,000/year rent in Dubai or Abu Dhabi. The number of cheques alone changes your annual cashback by a factor of two — quarterly payments pay double what monthly or semi-annual cadences do, because of how Liv's tier thresholds and AED 1,500/month cap interact.
2 cheques
- Cheque size
- AED 75,000
- Cashback tier
- 400%
- Monthly cashback (gross)
- AED 3,000
- Monthly cashback (after cap)
- AED 1,500
Annual cashback
AED 3,000
4 cheques
- Cheque size
- AED 37,500
- Cashback tier
- 400%
- Monthly cashback (gross)
- AED 1,500
- Monthly cashback (after cap)
- AED 1,500
Annual cashback
AED 6,000
12 cheques
- Cheque size
- AED 12,500
- Cashback tier
- 200%
- Monthly cashback (gross)
- AED 250
- Monthly cashback (after cap)
- AED 250
Annual cashback
AED 3,000
Calculate your cashback
Set your annual UAE rent and how often you pay. We'll model the cashback the Liv Cashback Plus Credit Card would pay you under the AED 1,500/month cap.
4,800 AED
Annual cashback
4 cheques of AED 30,000
Why this card wins on rent
1.
Full cashback rate on rent — not the 0.1% bucket
Most UAE credit cards push rent (MCC 6513) into a 0.1–0.5% reduced-rate bucket alongside utilities and government payments. The Liv Cashback Plus Credit Card pays its full tier rate on every rent dirham processed as MCC 6513.
2.
Generous AED 1,500/month cap for typical UAE renters
The cashback cap clears at roughly AED 37,500 per cheque on the 4% tier — comfortable headroom for most UAE renters paying under AED 30,000/month, and easily covered by quarterly cadences up to AED 150,000/year rent.
3.
Tier-stacking compounds when rent + other spend ≥ AED 15K/mo
Rent counts toward your total monthly card spend. Routing AED 10,000 rent plus AED 5,000 of groceries, dining, and fuel through Liv Cashback Plus puts every dirham — rent included — at the 4% top tier.
4.
No annual fee in year one
Liv waives the AED 735 annual fee for the first year of the Liv Cashback Plus Credit Card. Use that year to break even on cashback before deciding whether to renew.
How to pay rent on the card
UAE landlords don't accept credit cards directly. Tern routes the card payment to your landlord's bank account by bank transfer with no service fee — so every dirham of cashback the Liv Cashback Plus Credit Card pays you is yours to keep.
Tern Rewards
Visit Tern Rewards →Tern charges your Liv Cashback Plus Credit Card and sends the money directly to your landlord's bank account by bank transfer — no service fee on the transfer itself. On top of Liv's cashback, Tern pays its own ~2% loyalty points (redeemable at Amazon, Carrefour, and other UAE retailers) on the same transaction. Match Tern's payment schedule to the cheque cadence above — monthly or quarterly transfers depending on your rent band.
Rent 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 Plus Credit Card in 2 minutes — no commitment, no AECB credit-score impact.