PayperWIZ

Liv Cashback+ cashback rate, cap and annual fee

Liv Cashback+ pays 4% at months with AED 15,000 or more of spending, and 4 other rates. The card costs AED 735 a year.

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 v117

Read from Emirates NBD (Liv)'s own published terms on 29 Oct 2026.

AED 735Annual fee
AED 1,500Cap across the whole card
4%Best rate

What it pays, by category

SpendingRateMonthly cap
months with AED 15,000 or more of spendingeverything else4.00%—4% on all purchases in a month of AED 15,000 or more. The tier is set by the whole month's spending and applies to every purchase that month, includin
months with AED 7,000 to 14,999 of spendingeverything else2.00%—2% on all purchases in a month of AED 7,000 to 14,999. The tier is set by the whole month's spending and applies to every purchase that month, includi
everything else1.00%—1% on all purchases in a month of AED 0 to 6,999. The tier is set by the whole month's spending and applies to every purchase that month, including th
government0.10%—0.1% on government, utility and bill payments, Liv's low merchant categories, whatever the tier.
phone and internet0.10%—0.1% on telecom bills, which Liv counts among the bill payments on its low merchant list.
One rate on everything, set by the month's total spending: 1% below AED 7,000, 2% from AED 7,000 and 4% from AED 15,000, applied to the whole month; 0.1% on government, utility and bill payments. Cashback is capped at AED 1,500 a month, and separately at a share of the credit limit set by the bank (Liv's example: AED 800 on a AED 20,000 limit); only the AED 1,500 is modelled. Joining fee and renewal fee AED 735 each including VAT (AED 700 before VAT); the joining fee is waived with a Liv Max subscription. Minimum salary AED 15,000. Rewards are points at 1 point = AED 1. Currency conversion fee 1.99% plus about 1.15% charged by Mastercard. Source: liv.me credit card page, Liv Credit Card Special Features page and the Liv Credit Card Key Facts Statement (January 2026), read 29 Oct 2026.

Questions people ask

What cashback does the Liv Cashback+ pay?

4% at months with AED 15,000 or more of spending, and 4 other rates.

Is there a cap on the Liv Cashback+?

Yes — AED 1,500 a month across the whole card, however you split your spending.

What is the annual fee on the Liv Cashback+?

AED 735 a year.

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.

Download on the App Store

Other United Arab Emirates cards read off the issuer