Liv Cashback Credit Card
Up to 2% cashback on everything, free for life
at Liv's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
A free-for-life card that actually pays on everything is rare, and the Skywards toggle makes it more flexible than most cashback cards. Just don't book flights on it — travel sits in the 0.1% penalty bucket — and know that the full 2% only shows up in months you spend 10,000 or more.
Earning and redeeming Liv rewards
The Liv Cashback Card earns points on every purchase, and the rate is set by your total spend that calendar month: 0.75% below 5,000, 1.5% from 5,000, and 2% once you cross 10,000 — the higher tier applies retroactively to everything you bought that month. Cashback is capped at 750 per month (and also limited relative to your credit limit), while government, utility, telecom and travel-service payments earn a token 0.1%.
Redemption is where Liv stands out: from the Liv X app you choose whether points become cashback or Emirates Skywards Miles (up to 5,000 Miles a month), switching programs anytime without changing your physical card. You need a minimum of 500 points to redeem, and points are calculated on merchant settlement, not purchase date.
Rates and fees
- Annual fee
- 0 — free for life (no joining fee)
- Interest rate
- 3.49% per month (41.88% APR) on unpaid balances
- Interest-free period
- Up to 55 days when the full balance is paid
- Minimum salary
- 5,000 per month (paid via bank transfer; AECB score 541+)
- Foreign transaction fee
- 1.99% — plus ~1.15% Mastercard processing, so ~3.1% effective
- Cash advance fee
- 3% of the amount (minimum 99)
- Late payment fee
- 175 (plus VAT)
- Overlimit fee
- 279 per billing cycle (spends up to 3% over limit not charged)
- Card network
- Mastercard Platinum
Fees are exclusive of 5% VAT. Rates from the Liv charges page and Key Facts Statement, verified August 2026.
Card benefits
Cashback or Skywards Miles
Points redeem as cashback or up to 5,000 Emirates Skywards Miles a month — switch between programs in the app anytime.
VOX Cinemas BOGO
Buy-1-get-1 on up to 2 tickets a month plus 25% off F&B ( 40+ spend), booked with the card — no promo code needed.
4 lounge or dining visits a year
Mastercard Platinum gives 4 airport lounge visits or dining offers per calendar year at 25+ airports — keep it active with USD 1 of international spend.
Instant digital card
Apply without a Liv account, get approved in minutes and start spending with the digital card in the Liv X app before the physical card arrives.
0% instalment plans
Split 500+ purchases at 500+ partner merchants at 0%, or convert any 750+ purchase to a plan for 49.
Loan on card
Borrow up to 90% of your credit limit as an instant loan from the app, with a one-time 49 processing fee.
Pros and cons
- Genuinely free for life — no joining fee, no annual fee
- Cashback on everything, redeemable as cash or Emirates Skywards Miles
- Low 5,000 minimum salary and app-only application
- VOX cinema BOGO, Talabat discount and 4 lounge/dining visits a year included on a free card
- 0% instalment plans at 500+ merchants and loan on card up to 90% of the limit
- Base cashback is just 0.75% — you need 10,000+ monthly spend to hit 2%
- Cashback capped at 750 a month and also limited relative to your credit limit
- Government, utilities, telecom AND travel (airlines, travel agents) earn only 0.1%
- High 3.49% monthly interest (41.88% APR) if you carry a balance
- 1.99% foreign-currency fee excludes Mastercard's ~1.15% processing, so international spend effectively costs ~3.1%
Is it right for you?
Get this card if
- You want a genuinely free card that still earns on every purchase
- You spend 10,000+ most months and can hit the 2% tier
- You value flipping rewards between cashback and Skywards Miles
- You earn 5,000–8,000 and most premium cards are out of reach
Consider skipping it if
- Travel, government fees or utility bills dominate your spending — they earn 0.1%
- You regularly earn more than 750 cashback a month and need a higher cap
- You carry a balance — 3.49% a month is expensive
- You want real travel insurance and wide lounge access (look at Cashback+ or a travel card)
Alternatives to consider
Emirates NBD's noon One card turns noon, noon Food and noon Minutes orders into outsized rewards instead of a flat rate.
Best online shopping cards →
Mashreq's noon co-brand pushes higher rates on noon ecosystem spend while staying free — a different take on no-fee cashback.
Best no-annual-fee cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
Is the Liv credit card really free?+
Yes. The Liv Cashback Card has no joining fee and no annual fee — it is free for life. The step-up Liv Cashback+ Card costs AED 700 to join and AED 700 a year (waived if you hold a Liv account with an active Liv Max subscription).
What salary do I need for a Liv credit card?+
A base salary of at least AED 5,000 paid through bank transfer, an AECB credit score of 541 or higher, and existing instalments below 50% of your salary.
How much cashback does the Liv Cashback Card earn?+
It is tiered by total monthly spend: 0.75% below AED 5,000, 1.5% from AED 5,000–9,999 and 2% at AED 10,000+ — the tier you reach applies to all of that month's purchases. Cashback is capped at AED 750 per month, and low merchant categories (government, utilities, telecom, travel services) earn 0.1%.
Can I earn Skywards Miles instead of cashback?+
Yes. Rewards accrue as points that you can redeem either as cashback or as Emirates Skywards Miles (up to 5,000 Miles a month on the Cashback Card) — you can switch programs in the Liv X app without changing your card. You need a minimum of 500 points to redeem.
Does the Liv credit card include airport lounge access?+
Yes — as a Mastercard Platinum card it gets 4 airport lounge visits or dining offers per calendar year at 25+ airports. Mastercard requires at least USD 1 of cross-border spend on the card for the benefit to stay active.
Do I need a Liv account to apply?+
No. You can apply on the Liv website without opening an account — you'll get a digital card in the Liv X app once approved. Existing Liv account holders apply through the app.
What happens if I pay late or carry a balance?+
Late payment costs AED 175 (plus VAT), and unpaid balances accrue interest at 3.49% per month (41.88% APR) on the Cashback Card. Up to 55 days interest-free applies when you pay in full.
Can I split purchases into instalments?+
Yes — purchases over AED 750 can be converted to instalment plans (AED 49 processing fee per plan), and 0% instalment plans are available at 500+ partner merchants for transactions of AED 500+.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.