Both earn tiered Liv reward points that you can redeem as cashback or Emirates Skywards Miles in the app.
Best Liv Skywards Cards — Cashback or Emirates Skywards Miles
Compare Liv Cashback and Liv Cashback+ as flexible Skywards cards.
See cards
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
≈ AED 8,068 potential value / year · incl. perks · Cashback mode
Up to 2% Cashback on all spends
Cashback or Skywards Miles
2 Free Movie Tickets + 20% off on F&B at VOX Cinemas
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback+ Credit Card
≈ AED 15,328 potential value / year · incl. perks · Cashback mode
Up to 4% Cashback on all spends
Cashback or Skywards Miles
3 Free Movie Tickets + 20% off on F&B at VOX Cinemas
Best Liv Skywards Cards — Cashback or Emirates Skywards Miles compared
A side-by-side snapshot of joining fees, salary requirements, and standout benefits.
| Card | Joining fee | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|---|
| Free | Free | AED 5,000 | Up to 2% tiered rewards; redeem as cashback or Skywards Miles; 5,000-mile monthly cap |
| AED 735 | AED 735 | AED 15,000 | Up to 4% tiered rewards; redeem as cashback or Skywards Miles; 10,000-mile monthly cap; lounge access |
| Card | Joining fee | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|---|
| Free | Free | AED 5,000 | Up to 2% tiered rewards; redeem as cashback or Skywards Miles; 5,000-mile monthly cap |
| AED 735 | AED 735 | AED 15,000 | Up to 4% tiered rewards; redeem as cashback or Skywards Miles; 10,000-mile monthly cap; lounge access |
Liv Cashback Credit Card
Joining feeFree
Annual feeFree
Min. salaryAED 5,000
HighlightUp to 2% tiered rewards; redeem as cashback or Skywards Miles; 5,000-mile monthly cap
Liv Cashback+ Credit Card
Joining feeAED 735
Annual feeAED 735
Min. salaryAED 15,000
HighlightUp to 4% tiered rewards; redeem as cashback or Skywards Miles; 10,000-mile monthly cap; lounge access
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 Skywards Cards — Cashback or Emirates Skywards Miles
1.
Choose your reward at redemption
Liv reward points can be redeemed as cashback or Emirates Skywards Miles in the Liv app. You do not need a different physical card for each reward output.
2.
Everyday spend can become miles
The same tiered eligible-spend rules apply before redemption. Government, utilities, bill payments, travel and transportation earn the published reduced rate.
3.
Two fee and perk levels
Liv Cashback is free for life. Cashback+ costs AED 735 per year and adds higher reward tiers, a larger miles cap and premium travel perks.
Estimated Skywards Miles from monthly spending
Adjust your monthly spending to see how cashback changes across cards.
Liv Digital Bank by Emirates NBD
Liv Cashback Credit Card
Skywards Miles
Reward output
Skywards Miles
Choose cashback or the equivalent Skywards Miles output.
Liv Digital Bank by Emirates NBD
Liv Cashback+ Credit Card
Skywards Miles
Reward output
Skywards Miles
Choose cashback or the equivalent Skywards Miles output.
Government, Utilities +2 more
0.04%
AED 0
0.04% · AED 0
Government, Utilities +2 more
0.04%
AED 0
0.04% · AED 0
Other Spends
0.3%
AED 0
0.3% · AED 0
Other Spends
0.4%
AED 0
0.4% · AED 0
Airport Lounge Access
AED 736
Airport Lounge Access
AED 1,472
VOX Cinemas BOGO
AED 528
VOX Cinemas BOGO
AED 528
Careem Airport Transfer
—
Careem Airport Transfer
AED 60
Annual Fee
Free
Annual Fee
– AED 735
Total
+ AED 1,264
Total
+ AED 1,325
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
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
Cashback or Skywards Miles
2 Free Movie Tickets + 20% off on F&B at VOX Cinemas
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback+ Credit Card
Salary: AED 15,000+
Annual Fee: AED 735
Up to 4% Cashback on all spends
Cashback or Skywards Miles
3 Free Movie Tickets + 20% off on F&B at VOX Cinemas
How to apply for a Liv card with Skywards redemption
Follow these steps to complete your application.
1.Open the Liv website or app and confirm that you meet the salary and residency requirements
2.Complete the digital identity, employment and address checks
3.Choose Liv Cashback or Liv Cashback+, then submit the application
4.After earning at least 500 Liv reward points, choose Skywards Miles when redeeming in the Liv app
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 5,000–15,000 |
| 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 5,000–15,000 |
| 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 Liv Skywards Cards — Cashback or Emirates Skywards Miles in the UAE
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