Liv Cashback+ Credit Card
Best for: big monthly spenders who want up to 4% back on everything plus lounge access at 800+ airports.
Why it ranks
- One of the highest flat rates in the UAE at the top tier
- AED 1,500 monthly cap
- Low 1.99% FX fee for a premium card
What holds it back
- AED 735 joining and renewal fees
- Top rate needs AED 15,000 of spend every month
- Cap is also tied to your credit limit
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.
Why the Liv Cashback+ Credit Card ranks where it does
Liv Cashback+ offers one of the highest flat rates in the UAE, 4% on all spend in any month you pass AED 15,000, but it asks for that level of spending every month. Below it, the tiers are 1% up to AED 6,999 and 2% from AED 7,000 to 14,999, applied to the whole month. Government, utilities and bills earn 0.1%, and the monthly cap is AED 1,500.
The fee is AED 735 including VAT on joining and again on renewal, with the joining fee waived for active Liv Max subscribers. At the 2% tier, AED 3,063 of monthly spend covers the fee over a year; at 4%, AED 1,532. So the fee is not the problem. The problem is the cliff: a month at AED 14,000 pays 2%, AED 280, while AED 15,000 pays 4%, AED 600.
As with the standard card, monthly cashback is also tied to your credit limit, and the salary bar is AED 15,000. Points can go to cashback or Emirates Skywards Miles, up to 10,000 miles a month. Lounge access at more than 800 airports, travel medical insurance up to USD 500,000 and a 1.99% currency fee plus Mastercard's roughly 1.15% round out a strong premium package for consistent big spenders.
Good fit if
- People who reliably spend AED 15,000 or more a month on one card
- Travellers who want lounge access at 800+ airports and a low currency fee
- Skywards collectors who want the option to redeem as miles
Skip it if
- Anyone whose spending swings below AED 15,000 in many months
- People with a low credit limit, which caps the cashback
Assume AED 16,000 of eligible spend every month and a credit limit high enough that it does not cap cashback. The 4% tier applies to the whole month: AED 640, within the AED 1,500 cap. Over a year that is AED 7,680, or AED 6,945 after the AED 735 renewal fee. If half the months fell to AED 14,000, those would pay AED 280 each, cutting the year's cashback to AED 5,520 before the fee.
How it stacks up
The HSBC Cash+ pays a flat 1% with a small bonus but no monthly threshold, suits people earning AED 30,000 or more, and adds guest lounge access. For spending below AED 15,000 a month, the free Liv Cashback usually leaves more money after fees. Cashback+ is the stronger choice only when the AED 15,000 threshold is met in most months.
Liv Cashback+ is the premium version of Liv's card: a higher fee and salary bar in exchange for up to 4% on all spend and lounge access at more than 800 airports. Figures are as of September 2026.
Liv Cashback+ Credit Card at a glance
| Issuer | Liv (Emirates NBD) |
| Card network | Mastercard |
| Annual fee | AED 735 joining fee and AED 735 renewal fee (incl. VAT); joining fee waived with an active Liv Max subscription |
| Welcome bonus | See issuer for the current offer |
| Rewards rate | 1% on monthly spend up to AED 6,999, 2% at AED 7,000 to 14,999, 4% at AED 15,000+ (the rate applies to the whole month); 0.1% on government, utilities and bills; AED 1,500 monthly cap |
| Intro APR | None |
| Regular APR | 3.25% per month (39% APR) |
| Foreign transaction fee | 1.99% currency conversion fee plus Mastercard's processing fee (about 1.15%) |
| Airport lounge access | Access at 800+ airports (visit rules set by Liv) |
| Credit needed | Minimum monthly salary AED 15,000; age 21+; debt burden below 50%; good AECB score |
| Best for | Big monthly spenders who want up to 4% on everything plus wide lounge access |
Key features
- 4% on all spend in any month you pass AED 15,000
- Redeem as cashback or Emirates Skywards Miles (up to 10,000 miles a month)
- Airport lounge access at 800+ airports
- Travel medical insurance up to USD 500,000
- VOX Cinemas: 3 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 Cashback+AED 735/yr · AE Liv Cashback+ Credit CardBig monthly spenders who want up to 4% on everything plus wide lounge access |
AED 735/yr | 1% on monthly spend up to AED 6,999, 2% at AED 7,000 to 14,999, 4% at AED 15,000… | See issuer for the current offer | 1.99% currency conversion… | Minimum monthly salary AED 15,00… | |
| 2 | MMashreq BankMashreq SolitaireAED 1,575/yr · AE Mashreq Solitaire Credit CardHigh-net-worth UAE residents wanting top-tier perks |
AED 1,575/yr | Mashreq Vantage points (which replaced Salaam Points) on all spending | Generous welcome points bonus after activation and spend | 2.89% spread on internatio… | Very high income, UAE residency | |
| 3 | HMHSBC Bank Middle East (UAE)HSBC Cash+AED 1,050/yr · AE HSBC Cash+ Credit CardHigh earners who want flat uncapped cashback plus lounges for themselves and a guest |
AED 1,050/yr | 1% daily cashback on all eligible spend with no cap, plus a 10% bonus on cashbac… | See issuer for the current offer | 2% (2.1% incl. VAT) plus a… | Minimum monthly salary AED 30,00… |
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