Best Credit Card In UAE
+971

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 400

  • Golf offers
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Earn rewards on all domestic & international spends
  • Global airport lounge access and travel insurance

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 400

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15% /Min 103.95

Key Features

  • Earn Plus Points rewards on all domestic and international spends
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back
  • Unlimited complimentary access to VIP lounges worldwide for primary cardholder
  • Free golf at Yas Links Abu Dhabi once in a month
  • Bon Appetit - exclusive dining discounts
  • Global privileges - exclusive savings on travel, dining, entertainment and more, all over the world
  • Travel insurance cover of up to USD 100,000
  • Free 24/7 roadside assistance up to 2 times per year

Reward Features

Earn Plus Points rewards on all domestic and international spends:

  • 1 Plus Point for every AED 100 retail spend
  • Earn 5% points on Duty Free spends and 2.5% on dining spends
  • Insurance, Car dealership related, Grocery/Supermarket will earn 0.4% Points
  • Real Estate, Education, Fuel, Govt Services, Utilities, Telecom will earn 0.2% Points
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back

Things To Be Aware Of

  • Airport lounge access requires 3 month avg spend of AED 2,500
  • Specific spend categories earn lower rewards
  • Golf requires monthly spend of AED 3000

MINIMUM SALARY

AED 12,000

RATE

3.49

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • You’ll get two cards - a Diners Club and a Mastercard credit
  • Unlimited complimentary airport lounge access across the wor
  • Complimentary access to top golf courses across the UAE
  • 5% on grocery, electronics, utilities, education and fuel
  • Exclusive for Abu Dhabi residents

MINIMUM SALARY

AED 12,000

RATE

3.49

ANNUAL FEE

AED 0

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / AED 104

Joining Offers

Exclusive current offer: No Annual Fee

Key Features

  • You’ll get two cards - a Diners Club and a Mastercard credit card so you can benefit from the offers from both. Below are some of the key features.
  • Buy 1 get 1 movie ticket free offer on Royal Cinemas:
  • Minimum monthly spend of AED 5,000 is appliable to avail this offer
  • Cardholders can redeem up to 3 tickets per month
  • Service charges of AED 125/- + VAT will be applicable if minimum monthly is below AED 5,000
  • Unlimited complimentary airport lounge access across the world
  • Concierge services to take care of your time-consuming errands
  • Complimentary access to top golf courses across the UAE
  • With your Diners Club and Mastercard credit cards, you can enjoy a relaxing day with complimentary* access to the top 5 golf courses across the UAE
  • Trump International Golf Course
  • Arabian Ranches Golf Club
  • Jebel Ali Golf Course
  • Abu Dhabi Golf Club
  • Sharjah Golf & Shooting Club
  • A processing fee of AED 30 per booking and no-show fees apply. Charges vary from course to course.
  • Valet Parking at selected locations in Abu Dhabi
  • 0% Easy Payment Plans at select Merchant Outlets
  • Utility bill payments facility
  • Use both your Diners and Mastercard credit card to gain access to over 300 airport lounges across the Middle East and over 1000 lounges across the world.
  • Mastercard lounge access
  • Indulge in over 25 regional and international LoungeKey, marhaba and CAC lounges across the UAE, Saudi Arabia, Jordan, Kuwait, Egypt, Morocco, USA, UK, Canada, Germany, France, Singapore and more, no matter which airline or airline class you're travelling in. Simply present your Mastercard credit card at any participating LoungeKey Program airport lounge and enter immediately. Supplementary cardholders can use this benefit too.
  • Enjoy unlimited complimentary visits for self. Additional guests will be charged extra.|
  • Diners Club lounge access
  • Diners Club lounge access
  • Diners Club lounge access
  • Indulge in over 1,000 comfortable premium lounges in more than 300 cities worldwide. Simply present your Diners Club card at any participating airport lounge and enter immediately, no matter which airline or airline class you're travelling in. Supplementary cardholders can use this benefit too.
  • Enjoy unlimited complimentary visits for self*. Additional guests will be charged extra.*Minimum spend criteria applies.
  • Introducing the new Credit Shield Pro, our enhanced insurance product, underwritten by Abu Dhabi National Insurance Company, that brings you even more benefits and extended coverage.
  • Key features
  • 0.99% monthly fee of your card's outstanding balance
  • Up to AED 300,000 decease cover per cardholder
  • AED 100 pay out per day in case of hospitalization
  • Up to AED 60,000 job loss cover for up to 12 months or until re-employment

Reward Features

Earn Plus Points on spends
5% rewards on grocery, electronics, utilities, education and fuel
0.5% rewards on other spends including travel, dining, hotels and online
Plus Points earning cap per statement is applicable.


Plus Points loyalty program rewards you for your everyday spends using your Emirates NBD Credit Card. You are automatically enrolled to the program when you activate your credit card.

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 208.95

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • RTA Nol Card related benefits
  • Movie tickets at Vox Cinemas for AED 47.25 for 2 tickets
  • Enjoy free rides on Dubai Ferry

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 209

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Key Features

  • Use your Go4it Card like the RTA Nol Card as well as a credit card
  • Access to Gold class and fare payment of Gold Class from Nol Tag ID
  • Auto top up facility for Nol top up
  • Earn Plus Points rewards on all spends
  • 6 discounted tickets at Vox along with 10 complimentary under buy1 get 1 at Vox standard. 20% off at Roxy cinema during weekdays.
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Earn additional Plus Points on weekends and on RTA spends
  • Redeem Plus Points for gift vouchers, top up for your Nol Tag ID, frequent flyer miles, annual membership fee waivers, or even cash back
  • Exclusive offer on movie tickets
  • Salik Auto Top Up
  • Utility Bill Payments
  • Bon Appétit - An exclusive dining experience
  • Free rides on Dubai Ferry
  • Discounts on air tickets and holiday packages
  • Complimentary Life Insurance (AED 100,000)
  • Lifestyle Protector Insurance
  • International Medical & Travel Assistance
  • Purchase Protection for lost, stolen or damaged goods purchased
  • Extended Warranty
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

Earn Plus Points rewards:

  • Earn Plus Points for every spend and redeem them instantly at your favorite stores. You can also convert your Plus Points to Frequent Flyer Miles or Cashback.
  • Earn  5 Plus Points for every AED 200 spend on weekends.
  • Earn  4 Plus Points for every AED 200 spend on RTA.
  • Earn  1 Plus Points for every AED 200 spend on weekdays.

Things To Be Aware Of

  • Some benefits require min average 3monthly spend of AED3,000
  • Annual fee of AED 208.95 with VAT

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 250

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Contactless Tech
  • Class leading cashback of 7% at Lulu stores & online
  • Complimentary access to top golf courses across the UAE
  • Exclusive benefits & offers at Lulu stores & online
  • Complimentary airport lounge access via LoungeKey
  • Buy 1 get 1 free on movie tickets with Vox Cinemas

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 250

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Welcome offer of 500 LuLu Points and 0% interest on balance transfers with no processing fees


Key Features

  • Welcome Bonus Up to 500 LuLu Points
  • Earn up to 7% back as Lulu points on spends at Lulu stores and online
  • Concierge Service
  • 0% Balance Transfer with zero processing fee
  • Member benefits- Exclusive privileges and offers at LuLu
  • Complimentary tickets at Vox Standard under Buy1 get 1 offer
  • Up to 4 complimentary valet parking services in Abu Dhabi locations
  • Complimentary golf rounds twice a month at 5 golf courses in the UAE.
  • Up to 2 complimentary airport drop services each year
  • Free airport lounge access at over 25 lounges across the Middle East and international locations
  • Buy 1 Get 1 offers with the Entertainer app
  • Discount on Air Tickets and Holiday Packages
  • SkyShopper
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase
  • Up to 30% discounts on round trip international airfare or hotels from Cleartrip.com
  • Up to 15% on Avis car rentals worldwide
  • 0%Easy Instalment Plan
  • SALIK Auto Top up
  • Utility Bill Paments

Reward Features

Earn LuLu Points
  • Earn 7% on LuLu in-store and online spends
  • Earn 4% on fuel spends
  • Earn 2% on utility bill payment
  • Earn 0.7% on all other spends
  • Redeem Lulu points at over 70 Lulu stores at 1 Lulu point = 1 AED

Things To Be Aware Of

  • Min spend of AED 4,000 req for cinema offers

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Free for life card
  • 3.5% cashback at Lulu stores and online
  • Buy 1 get 1 free on movie tickets at Vox Cinemas
  • Complimentary lounge access to over 10 regional airports

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

0% balance transfer with no processing fees.

Key Features

  • Earn up to 3.5 back as Lulu points on spends at Lulu stores and online
  • Exclusive privileges and offers at Lulu
  • 3 Complimentary tickets at Vox Standard under Buy1 get 1 offer
  • Free airport lounge access at over 10 lounges across the Middle East
  • Buy 1 Get 1 offers with the Entertainer app
  • Purchase protection cover up to 180 days from date of purchase
  • Up to 30% discounts on round trip international airfare or hotels from Cleartrip.com

Reward Features

Earn LuLu Points
  • Earn 3.5% on LuLu in-store and online spends
  • Earn 2% on fuel spends
  • Earn 1% on utility bill payment
  • Earn 0.35% on all other spends

Redeem Lulu points at over 70 Lulu stores at 1 Lulu point = 1 AED

Things To Be Aware Of

  • Min spend of AED 2,000 req for cinema offers

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 263

  • Golf offers
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Exclusive offers for Manchester United Football Club Fans
  • Earn "Red" rewards points on all spends
  • Up to 40% discount at over 100 golf courses worldwide
  • Complimentary lounge access to over 10 regional airports

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 263

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Activate your Card and you will recieve a Manchester United Home Jersey and Complimentary Manchester United 'RED Box'.

Key Features

  • Receive your memorable welcome gift as a die-hard Manchester United fan.
  • Complimentary Gift - The Manchester United 'RED Box'
  • Earn RED Points for domestic and international spends
  • Earn 2X on all international spend
  • Earn 5X RED Points on all Dining spends
  • Earn 10X RED Points on Sports Good Stores
  • Guaranteed lifetime gift on annual spend of AED 250,000 in a calendar year.
  • Exclusive offers for highest spenders every month, quarter and year
  • Exclusive "Red Deals"
  • Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Enjoy exclusive benefits with Avis car rental services
  • Avail upto 40% discount at over 100 golf courses worldwide
  • Up to 30% at over 2,000 restaurants across the UAE , Middle East and Europe
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • MasterCard experiences and offers
  • Free 24/7 roadside assistance
  • Lifestyle Protector Insurance

Reward Features

Earn RED Points Rewards

  • 10 Red Points for every 1 AED at sports goods stores
  • 5 Red Points for every 1 AED at dining outlets
  • 2 Red Points for every 1 AED spent internationally
  • 1 Red Point for every 1 AED spent on all other retail purchases

Maximum Red Points for sports good stores and dining outlets in one billing cycle is 50,000 Red points. Red Points can be redeemed for gift vouchers, cash back.

Things To Be Aware Of

  • Max spend cap for spends on sports good stores and dining

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Air Miles
  • Earn rewards on all domestic & international spends
  • Up to 30% discount when you book with Cleartrip
  • Discounts on flights and holiday packages
  • Unlimited complimentary lounge access to over 25 airports

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 735

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Key Features

  • Earn Plus Points rewards on all domestic and international spends
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back
  • Dedicated concierge service
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 6 times per calendar year
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • Exclusive NBD Golf discounts program. 40% discount at over 100 golfcourses worldwide
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Unlimited complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Up to 30% discount on travel booking made via Cleartrip
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Enjoy exclusive benefits with Avis car rental services
  • MasterCard Buy 1 get 1 offers
  • Mastercard Priceless Cities offers
  • 0% Easy Instalment Plan
  • MYUS Premium Shipping Discounts
  • Purchase protection of up to USD 5,000 per year

Reward Features

Earn Plus Points Rewards

  • Earn Plus Points for every spend and redeem them instantly at your favorite stores. You can also convert your Plus Points to Frequent Flyer Miles or Cash back.
  • Earn up to 1.5 Plus Points for every AED 100 spend.
  • Earn 0.4% Plus Points in supermarkets and groceries spends.
  • Earn 0.4% Plus Points in Insurance and Car Dealership spends.
  • Earn 0.2% Plus Points in Fuel and Utility Payments.
  • Earn 0.2% Plus Points in Real Estate and Education spends.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 420

  • Golf offers
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Complimentary access to over 10 VIP lounges
  • Enjoy MasterCard Buy 1 Get 1 offers
  • Earn rewards on all domestic & international spends
  • Exclusive offers and deals on travel, lifestyle & shopping
  • Get up to 40% discount at over 100 golf courses worldwide

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 420

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.15 % / Min 103.95

Key Features

  • Earn Plus Points rewards on all domestic and international spends
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back
  • Exclusive NBD Golf discounts program. 40% discount at over 100 golfcourses worldwide
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Unlimited complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Discounted chauffeur rides with Careem
  • Enjoy exclusive benefits with Avis car rental services
  • MasterCard Buy 1 get 1 offers
  • MarkaVIP online shopping discounts
  • Card fraud protection
  • 0% Easy Installment Plan
  • Sky Shopper

Reward Features

Earn Plus Points Rewards

  • Earn Plus Points rewards on all domestic and international spends - 1 Plus Point for every AED 100 retail spend.
  • Earn 0.4% Plus Points in supermarkets and groceries spends.
  • Earn 0.4% Plus Points in Insurance and Car Dealership spends.
  • Earn 0.2% Plus Points in Fuel and Utility Payments.
  • Earn 0.2% Plus Points in Real Estate and Education spends.
  • Earn Plus Points for every spend and redeem them instantly at your favorite stores. You can also convert your Plus Points to Frequent Flyer Miles or Cash back.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 30,000

RATE

1.99%

ANNUAL FEE

AED 1575

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Earn rewards on all domestic & international spends
  • Complimentary airport lounge access to over 1000 lounges
  • Golf club privileges
  • Exclusive Concierge Desk Privileges
  • Valet Parking at selected locations in Abu Dhabi

MINIMUM SALARY

AED 30,000

RATE

1.99%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

3.25%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Apply for an Emirates NBD Credit Card and receive a voucher worth up to AED 400 that can be availed across Noon and Noon Daily!

Key Features

  • Earn Plus Points rewards on all domestic and international spends
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back
  • Unlimited complimentary access to over 650+ VIP lounges worldwide for primary, supplementary and 1 guest each
  • Dedicated concierge service
  • Up to 4 airport transfers per calendar year
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 12 times per calendar year
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • Complimentary golf at not 4, but 5 golf courses across the UAE, twice a month. Discounts at 14 clubs in the UAE and Muscat.
  • Salik auto top-up feature
  • Bon Appetit - Exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • 20% off at Roxy cinema on weekdays. Not valid on public holidays and applicable untill Sept 2020. There is no minimum spend requirement on this card for this offer.
  • International Medical & Travel Assistance
  • Purchase Protection cover for lost, stolen and damaged goods
  • Extended Warranty - automatically double the manufacturer's warranty
  • Travel Insurance cover
  • Visa luxury hotel collection offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)

Reward Features

Earn Plus Points Rewards

  • Earn Plus Points for every spend and redeem them instantly at your favorite stores. You can also convert your Plus Points to Frequent Flyer Miles or Cash back.
  • Earn up to 2 Plus Points for every AED 100 spend
  • Earn 0.4% Plus Points in supermarkets and groceries spends
  • Earn 0.4% Plus Points in Insurance and Car Dealership spends
  • Earn 0.2% Plus Points in Fuel and Utility Payments
  • Earn 0.2% Plus Points in Real Estate and Education spend

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Earn rewards on all domestic & international spends
  • Comprehensive lifestyle offers
  • Discounts on flights and holiday packages
  • Flexible payment options
  • Life time free card along with a AED 300 Noon.com Voucher

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Apply for a Platinum credit card and get it free along with a voucher worth AED 300 to spend on Noon.com.


Key Features

  • Earn Plus Points rewards on all domestic and international spends
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back
  • Complimentary 2-for-1 Deals with Entertainer
  • Up to 2 airport transfers per calendar year
  • Access to over 200 airport restaurant offers globally
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 6 times per calendar year
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • 10 complimentary tickets through Vox Buy1 Get1 and 20% off at Roxy Cinemas
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Salik auto top-up feature
  • 0% Easy Instalment Plan
  • Utility Bill Payments
  • Bon Appetit - Exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Unlimited complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • International Medical & Travel Assistance
  • Purchase Protection cover for lost, stolen and damaged goods
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Extended warranty & purchase protection on purchases made on the card
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

Earn Plus Points Rewards

  • Earn Plus Points for every spend and redeem them instantly at your favorite stores. You can also convert your Plus Points to Frequent Flyer Miles or Cash back.
  • Earn Plus Points rewards on all domestic and international spends-Earn up to 1.5 Plus Points for every AED 100 spend
  • Earn 0.4% Plus Points in supermarkets and groceries spends
  • Earn 0.4% Plus Points in Insurance and Car Dealership spends
  • Earn 0.2% Plus Points in Fuel and Utility Payments
  • Earn 0.2% Plus Points in Real Estate and Education spends.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 5,000

RATE

3.25

ANNUAL FEE

AED 0

  • Free for life
  • Complimentary airport lounge access
  • 2 free cinema tickets a month at Reel
  • Switch your rewards between cashback and skywards miles
  • 8% off on cleartrip

MINIMUM SALARY

AED 5,000

RATE

3.25

ANNUAL FEE

AED 0

Non AED Transaction Fee

1.99

Cash Advance Fee

3 % AED 99

Key Features

  • Access to 25+ airport lounges world wide
  • Upto 2 Free cinema tickets and 20% off on F&B at Reel every month
  • Buy 1 get 1 free dining & lifestyle offers
  • 8% off on Cleartrip flight bookings
  • Upto 30% off on Mastercard Hotel Bookings (IOL Escapes)
  • 10% off on Musafir.com
  • 20% off on Airalo eSIM purchases
  • 1-week free access & membership discounts at Gym Nation
  • 20% off on 1 order every month at Talabat free food or grocery delivery
  • 20% on 3 rides every month on Careem
  • Documents required You need to upload your valid Emirates ID and Passport as part of our credit card application process. You also need to take a selfie so that we can verify your identity!
  • How to check the status of the application? You will receive the status of your credit card application as soon as you complete the application process. If your credit card application is under review, then one of our Support team members will contact you within 3-5 business days. One need not create an account with Liv if applying for a credit card through Liv website. However, if applying from Liv app; one must create a Liv account..

Reward Features

Choose the reward points you want to earn (Cashback, Skywards Miles) and the things you want to earn bonus rewards for (groceries, food deliveries, online shopping, travel or something else?). 

  • Earn upto 15% cashback. Upto AED 12,000 Cashback per annum and AED 1,000 per month.
  • Earn upto 1 skyward miles per 1 AED spent. Earn monthly skywards miles of upto 6,600

The Liv. Cashback and Cashback plus credit card is tailored for individuals with dynamic, on-the-go lifestyles, offering the ability to earn Skywards Miles with every purchase. Cardholders can choose four spending categories—such as international spending, travel, online shopping, dining, and more—where they will earn "booster" Skywards Miles in addition to base Miles.

The Miles accumulation structure is tiered based on monthly spending:

  • For spending between AED 0-2K, earn a total of 0.05 Skywards Miles per AED 1.
  • Spending between AED 2K-5K earns 0.1 Skywards Miles per AED 1.
  • Spending between AED 5K-15K earns 0.2 Skywards Miles per AED 1.
  • Spending between AED 15K-30K earns 0.5 Skywards Miles per AED 1.
  • Spending above AED 30K earns 1 Skywards Mile per AED 1.

This structure allows cardholders to maximize their Skywards Miles by focusing their spending in categories that matter most to them, particularly when they exceed certain spending thresholds.