1Ranked firstL(Liv (Emirates NBD)Liv CashbackNo annual fee · AE
No Annual Fee · United Arab Emirates
Liv Cashback Credit Card
4.2 / 5 editorial score
Best for: digital-first residents who want a free-for-life card that earns cashback on all spend.
Annual feeNo annual fee
IssuerLiv (Emirates NBD)
NetworkMastercard
Welcome offerSee issuer for the current offer
Interest rate3.49% per month (41.88% APR)
Foreign fee1.99% currency conversion fee…
Who qualifiesMinimum monthly salary AED 5,000; ag…
Why it ranks
- Free for life with no category tracking
- Lower FX fee than most UAE cards
- Quick app-based application
What holds it back
- Only 0.75% below AED 5,000 of monthly spend
- Cap is tied to your credit limit, so a low limit means low cashback
- Government, utility and bill payments earn just 0.1%
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The Liv Cashback Credit Card from Emirates NBD's digital bank is free for life and pays a flat rate on all spend that rises with your monthly total. Figures are as of September 2026.
Liv Cashback Credit Card at a glance
| Issuer | Liv (Emirates NBD) |
| Card network | Mastercard |
| Annual fee | Free for life (no joining or annual fee) |
| Welcome bonus | See issuer for the current offer |
| Rewards rate | 0.75% on monthly spend up to AED 4,999, 1.5% at AED 5,000 to 9,999, 2% at AED 10,000+ (the rate applies to the whole month); 0.1% on government, utilities and bills; AED 750 monthly cap |
| Intro APR | None |
| Regular APR | 3.49% per month (41.88% APR) |
| Foreign transaction fee | 1.99% currency conversion fee plus Mastercard's processing fee (about 1.15%) |
| Airport lounge access | Access at 25+ airports (visit rules set by Liv) |
| Credit needed | Minimum monthly salary AED 5,000; age 21+; debt burden below 50%; good AECB score |
| Best for | Digital-first residents who want a free-for-life card that earns on all spend |
Key features
- Cashback on all spend, with the monthly tier rate applied to every purchase that month
- Redeem points as cashback or Emirates Skywards Miles (up to 5,000 miles a month)
- Apply in the Liv app; an existing Liv account is not required
- Monthly cashback is also limited to a share of your credit limit (Liv's example: 2% of the limit)
- VOX Cinemas: 2 tickets a month plus 25% off food and drinks
Before you apply: confirm the current fee, reward rates and eligibility on the issuer's official site. BestCreditCards is an independent ranking site, not the card issuer, and this is not financial advice.
How it ranks against similar UAE cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | L(Liv (Emirates NBD)Liv CashbackNo annual fee · AE Liv Cashback Credit CardDigital-first residents who want a free-for-life card that earns on all spend |
None | 0.75% on monthly spend up to AED 4,999, 1.5% at AED 5,000 to 9,999, 2% at AED 10… | See issuer for the current offer | 1.99% currency conversion… | Minimum monthly salary AED 5,000… | |
| 2 | R(RAKBANK (The National Bank of Ras Al Khaimah)RAKBANK RedNo annual fee · AE RAKBANK Red Credit CardSalaried residents who want a card that never charges an annual fee |
None | Up to 1.5% cashback on retail spend (subject to a minimum spend per statement cy… | See issuer for the current offer | 2.57% of the transaction a… | Minimum monthly salary AED 5,000… |
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