Liv Debit Card

You don't apply for it separately. Open a Liv Primary Account in the Liv X app and the card is issued with it — digitally at first, with the physical card following.

The card has no annual fee. The account it belongs to has an AED 25 monthly fee, waived with a salary transfer of AED 5,000 or more, debit card spend of AED 2,500, an active Liv Credit Card, or an average monthly balance of AED 3,000. Students under 24 are exempt.

No. It's a debit card, so spending draws on your own account balance rather than a credit line. There's no credit limit, no interest, and no minimum salary to qualify.

Foreign currency spend carries a 3.14% transaction fee plus standard Visa processing fees. ATM withdrawals cost AED 6 across the GCC and AED 20 elsewhere.

No. Rewards on Liv sit with the credit cards — Liv Cashback and Liv Cashback+ — not with the account's debit card. The debit card is for everyday spending from your own balance.

Yes. The card is issued digitally in the Liv X app as soon as the account opens, so you can add it to your phone wallet and spend straight away while the physical card is delivered.

Freeze it yourself in the Liv X app, then order a replacement from the same screen. The first card is free; replacements cost AED 25.