If you shop at Union Coop regularly, the Tamayaz Platinum gives you 6% grocery cashback for free. For general everyday spending, the Liv Cashback card offers up to 2% on everything. Both are free for life with no hidden charges.
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. Both free-for-life from AED 5,000 salary with no annual or joining fee.
See cards
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
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
6% cashback at Union Coop
2% on domestic dining and fuel
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 |
June Spotlight
Emirates NBD
Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.
EMIRATES NBD
ENBD noon One Visa Credit Card
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
Transportation, Real Estate, Education
0.75%
AED 0
0.75% · AED 0
Transportation, Real Estate, Education
0.1%
AED 0
0.1% · AED 0
Government, Utilities, Telecom
0.1%
AED 0
0.1% · AED 0
Government, Utilities, Telecom
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
Annual Fee
Free
Annual Fee
Free
Total
+ AED 0
Total
+ AED 0
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
2 cards in the UAE
Sort by
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
Salary: AED 5,000+
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) |
Not sure which card to pick?
Try the UAE Credit Card Picker
Answer a few quick questions and we'll match the best UAE credit card to your monthly spending — personalised cashback, rewards and perks in under two minutes.
