Liv Cashback cashback rate, cap and annual fee
Liv Cashback pays 2% at months with AED 10,000 or more of spending, and 4 other rates.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
Emirates NBD (Liv) · United Arab Emirates · catalogue v121
Read from Emirates NBD (Liv)'s own published terms on 29 Oct 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| months with AED 10,000 or more of spendingeverything else | 2.00% | —2% on all purchases in a month of AED 10,000 or more. The tier is set by the whole month's spending and applies to every purchase that month, includin |
| months with AED 5,000 to 9,999 of spendingeverything else | 1.50% | —1.5% on all purchases in a month of AED 5,000 to 9,999. The tier is set by the whole month's spending and applies to every purchase that month, includ |
| everything else | 0.75% | —0.75% on all purchases in a month of AED 0 to 4,999. The tier is set by the whole month's spending and applies to every purchase that month, including |
| government | 0.10% | —0.1% on government, utility and bill payments, Liv's low merchant categories, whatever the tier. |
| phone and internet | 0.10% | —0.1% on telecom bills, which Liv counts among the bill payments on its low merchant list. |
Questions people ask
What cashback does the Liv Cashback pay?
2% at months with AED 10,000 or more of spending, and 4 other rates.
Is there a cap on the Liv Cashback?
Yes — AED 750 a month across the whole card, however you split your spending.
What is the annual fee on the Liv Cashback?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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