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.
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 2,100/yr · AE Mashreq Solitaire Credit CardHigh-net-worth UAE residents wanting top-tier perks |
AED 2,100/yr | Earn elevated Salaam Points on all spending | Generous welcome points bonus after activation and spend | Foreign currency markup ap… | 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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