Both free-for-life from AED 5,000 salary with no annual or joining fee.
Best Free for Life Liv Credit Cards with No Annual Fee
Two free for life Liv credit cards — the Cashback card for broad spending rewards and Tamayaz Platinum for Union Coop grocery cashback.
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
≈ AED 9,868 potential value / year · incl. perks
Top 50%
Up to 2% Cashback on all spends
Instant redemption as Cashback or Miles
2 Free Movie Tickets + 20% off on F&B at VOX Cinemas
LIV DIGITAL BANK BY EMIRATES NBD
Tamayaz Platinum Credit Card
≈ AED 9,868 potential value / year · incl. perks
Top 23%
6% cashback at Union Coop
2% on domestic dining and fuel
1% on intl and domestic retail
Best Free for Life Liv Credit Cards with No Annual Fee compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 5,000 | Up to 2% cashback on all spending, free for life, instant redemption |
| Free | AED 5,000 | 6% at Union Coop, free for life, cinema and lounge access perks |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 5,000 | Up to 2% cashback on all spending, free for life, instant redemption |
| Free | AED 5,000 | 6% at Union Coop, free for life, cinema and lounge access perks |
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD Voyager World Credit Card
Salary: AED 12,000+
75,000 Miles after AED 35,000 spend
No Annual Fee
6 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
Salary: AED 25,000+
150,000 Miles after AED 70,000 spend
No Annual Fee for the first year
12 Voyager Miles on every AED spent on Voyager Travel Portal
6 Voyager Miles on every AED spent on other travel bookings
Why choose Liv AED 14,000+
1.
Truly free for life
No annual fee, no joining fee, no minimum spend requirements to keep the card active — these are among the only genuinely free credit cards in the UAE.
2.
Available from AED 5,000 salary
One of the lowest salary thresholds for a credit card in the UAE, making these ideal first cards for new earners.
3.
Clear upgrade path
As your salary grows, you can upgrade to Cashback+ or Tamayaz World for higher cashback rates, larger caps, and premium travel or cinema perks.
What you would earn with free Liv cards
Adjust your monthly spending to see how cashback changes across cards.
Union Coop
0.75%
AED 0
0.75% · AED 0
Union Coop
6%
AED 0
6% · AED 0
Dining, Fuel
0.75%
AED 0
0.75% · AED 0
Dining, Fuel
2%
AED 0
2% · AED 0
Real Estate, Education
0.75%
AED 0
0.75% · AED 0
Real Estate, Education
0.1%
AED 0
0.1% · AED 0
Travel
0.1%
AED 0
0.1% · AED 0
Travel
1%
AED 0
1% · AED 0
Government, Utilities +2 more
0.1%
AED 0
0.1% · AED 0
Government, Utilities +2 more
0.1%
AED 0
0.1% · AED 0
Other Spends
0.75%
AED 0
0.75% · AED 0
Other Spends
1%
AED 0
1% · AED 0
Airport Lounge Access
AED 736
Airport Lounge Access
AED 2,760
VOX Cinema Tickets
AED 528
VOX Cinema Tickets
AED 528
Annual Fee
Free
Annual Fee
Free
Total
+ AED 1,264
Total
+ AED 3,288
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
Find your match
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Answer a few quick questions and we'll match you to your best-fit UAE credit card — then help you check you qualify before you apply.
2 cards in the UAE
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
Salary: AED 5,000+
Free for life
Up to 2% Cashback on all spends
Instant redemption as Cashback or Miles
2 Free Movie Tickets + 20% off on F&B at VOX Cinemas
LIV DIGITAL BANK BY EMIRATES NBD
Tamayaz Platinum Credit Card
Salary: AED 5,000+
Free for life
6% cashback at Union Coop
2% on domestic dining and fuel
1% on intl and domestic retail
How to get a free Liv card
Follow these steps to complete your application.
1.Visit the Liv website or app, check eligibility, and verify your mobile number and email with OTP
2.Complete eKYC — scan your passport, Emirates ID, and pass a selfie liveness check
3.Choose between Cashback (broad rewards) or Tamayaz Platinum (Union Coop focus), then enter your employment and address details
4.Get instant approval — activate your virtual card immediately, physical card arrives via Aramex in 2–3 business days
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000+ |
| Employment | Employed in the UAE (salaried applicants) |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Multiple passports | Applicants must not hold multiple passports |
| PEP status | Applicants must not be a Politically Exposed Person (PEP) |
| Passport sanctions | Applicants must not hold a passport from a sanctioned country |
| Sanctions activity | Applicants must not perform transactions with sanctioned jurisdictions |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| One card per customer | Only one Liv credit card can be active at a time across all products |
| Minimum age | 21 years |
| Monthly salary | AED 5,000+ |
| Employment | Employed in the UAE (salaried applicants) |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Multiple passports | Applicants must not hold multiple passports |
| PEP status | Applicants must not be a Politically Exposed Person (PEP) |
| Passport sanctions | Applicants must not hold a passport from a sanctioned country |
| Sanctions activity | Applicants must not perform transactions with sanctioned jurisdictions |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| One card per customer | Only one Liv credit card can be active at a time across all products |
Sanctioned jurisdictions list (2026): Belarus, Ukraine (Crimea, Donetsk, Luhansk), Cuba, Iran, North Korea, North Sudan, Russia, Syria. Self-employed professionals are not eligible for Liv credit cards. Always confirm the latest eligibility details with the bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best Free for Life Liv Credit Cards with No Annual Fee in the UAE
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