Liv Bank Credit Cards, UAE
In a financial landscape where digital-first banking is rapidly reshaping consumer expectations, Liv Bank—a digital-only bank under Emirates NBD—has carved a strong reputation for offering lifestyle-focused credit cards designed for the UAE’s cosmopolitan residents. Whether you’re a frequent traveler looking to rack up Skywards Miles, a cinema enthusiast, or someone who simply wants cashback on everyday spending, Liv Bank credit cards bring together value, flexibility, and modern convenience.
Unlike traditional credit cards that limit rewards to narrow categories, Liv Bank credit cards in the UAE emphasize simplicity: cashback on all spends, airline miles that scale with your usage, and perks that resonate with young professionals, expats, and digital-first consumers.
Why Liv Bank Credit Cards Stand Out in the UAE
The UAE is home to a vibrant population of expatriates, entrepreneurs, and young professionals who juggle travel, shopping, and entertainment. Liv Bank’s credit cards reflect this lifestyle by blending digital innovation with practical benefits like:
- Zero annual fee options
- Generous cashback (up to 4% on spends)
- Access to airport lounges worldwide
- Skywards Miles partnerships with Emirates
- Everyday perks like Talabat discounts, cinema tickets, and online shopping savings
This makes them not just payment tools, but lifestyle enablers tailored to Dubai and the UAE’s fast-paced, globally connected environment.
Liv Cashback Credit Card
The Liv Cashback Card is perfect for those who want a no-annual-fee credit card with simple, transparent cashback benefits.
Key Features
- Minimum Salary Requirement: AED 5,000
- Annual Fee: AED 0 (Free for Life)
- Interest Rate: 3.49%
- Cashback: Flat 2% cashback on every spend (no categories, no restrictions)
- Monthly Cashback Cap: Up to AED 750
- Skywards Miles: Up to 5,000 Miles monthly
- Airport Lounges: Free access to 25+ lounges globally
Lifestyle & Partner Benefits
- Cinemas: VOX Cinemas Buy 1 Get 1 free (twice a month) + 25% off F&B
- Food Delivery: 20% off Talabat (twice a month, up to AED 14)
- Travel Platforms: Up to 10% off via Booking.com, Musafir.com, and Trip.com
- Connectivity: 20% off Airalo eSIM purchases—ideal for frequent travelers
- Fitness: Free GymNation access for one week plus membership discounts
- Shopping: Discounts with FarFetch and Buy 1 Get 1 offers via Mastercard Priceless Specials
Rewards Flexibility
Cardholders can choose their preferred rewards system—either Cashback (up to 15% in select categories) or Skywards Miles.
- Earn up to AED 12,000 cashback annually
- Earn up to 6,600 Skywards Miles per month
The tiered structure rewards higher spending, with up to 1 Skywards Mile per AED 1 for monthly spends above AED 30,000.
Liv Cashback+ Credit Card
If you want a premium card with higher rewards and global privileges, the Liv Cashback+ Credit Card steps up the offering.
Key Features
- Minimum Salary Requirement: AED 10,000
- Annual Fee: AED 700 (first year free for Liv Max users)
- Interest Rate: 3.25%
- Cashback: 4% on all spends (up to AED 1,500 monthly)
- Skywards Miles: Earn up to 10,000 Miles monthly
- Airport Lounges: Access to 850+ lounges worldwide
Premium Lifestyle Benefits
- Airport Transfers: Complimentary Careem rides to airports in the UAE
- Travel Insurance: Coverage up to USD 500,000
- Shopping Abroad: Tax-free shopping with Global Blue VIP services
- Cinemas: 3 free VOX Cinema tickets monthly + 25% off F&B
- Carrefour: AED 40 off online grocery orders monthly
- Global Travel Savings: Booking.com (7% back), Trip.com (15% off), Musafir.com (10% off)
- Everyday Perks: Same Talabat, GymNation, FarFetch, and Priceless Specials benefits
Rewards Power
- Up to AED 18,000 cashback annually
- Up to 1 Skywards Mile per AED 1 spent
- Same tiered Skywards earning model, rewarding higher spending brackets
This card is designed for frequent travelers, professionals, and high spenders who want global privileges and seamless rewards.
How to Apply for a Liv Bank Credit Card
Applying for a Liv Bank credit card in the UAE is fully digital, reflecting the bank’s mobile-first approach.
- Required Documents: Emirates ID, passport copy, and a selfie for verification.
- Application Process: Apply via the Liv app (requires creating a Liv account) or directly on the Liv Bank website.
- Approval Timeline: Typically within 3–5 business days.
Once approved, your card can be managed entirely through the Liv app, including tracking rewards, spending categories, and offers.
Are Liv Bank Credit Cards Right for You?
Liv Bank’s credit cards are best suited for:
- Young professionals looking for cashback on everyday spending
- Frequent flyers who want to maximize Emirates Skywards Miles
- Expats managing international shopping, travel, and remittances
- Lifestyle seekers who enjoy dining, cinema, and leisure offers
Unlike traditional cards that bury rewards behind complicated terms, Liv cards keep it straightforward—rewarding spending in a way that matches Dubai’s dynamic lifestyle.
FAQs about Liv Bank Credit Cards in the UAE
1. What is the minimum salary for a Liv credit card?
The minimum salary starts from AED 5,000 for the Liv Cashback card and AED 10,000 for the Liv Cashback+ card.
2. Is a Liv card a credit card or a prepaid card?
Liv offers both debit and credit solutions, but the Liv Cashback and Cashback+ cards are credit cards backed by Emirates NBD.
3. What are the main Liv Bank credit cards available in the UAE?
Currently, Liv Bank offers two primary credit cards:
- Liv Cashback Card (entry-level, no annual fee)
- Liv Cashback+ Card (premium with higher perks and an annual fee)
4. Is the Liv credit card accepted internationally?
Yes. Being Mastercard-powered, Liv credit cards are accepted globally across millions of merchants and ATMs.
5. Can I choose between cashback and Skywards Miles?
Yes, Liv cards offer flexibility. You can select whether your rewards are earned as cashback or Emirates Skywards Miles, depending on your lifestyle.
6. Does Liv Bank charge foreign transaction fees?
Yes, a 1.99% fee applies to non-AED transactions.
7. How do I track my rewards and offers?
All rewards, cashback tracking, and lifestyle offers are accessible through the Liv mobile app, which acts as your digital hub.
Final Word
Liv Bank credit cards represent a new generation of banking in the UAE—digital-first, lifestyle-focused, and globally connected. Whether you choose the no-fee Cashback card or the feature-packed Cashback+ card, you’re getting more than just a credit card—you’re tapping into a reward ecosystem designed around how people in Dubai live, work, and travel.
For more guides on UAE banking, lifestyle perks, and travel hacks, explore TheDubaiWeb.com—your trusted local source for making smart financial and lifestyle decisions.
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