Cashback+ Credit Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-22. This is an independent review, not bank approval.
Dirham Score 2.9/570% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Joining fee AED 735
Explore all Liv cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-22
Personalise this card’s AED value
The same rewards engine powers the comparison directory and personal selector. Start from our AED 10,000 monthly benchmark, then enter your actual category spending. Estimates assume full repayment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Annual rewards are not estimated: whole-month spending tiers, 0.1% low-earning categories and a cap tied to the assigned credit limit require inputs and rules not yet supported by this calculator. International spending here assumes eligible general retail outside restricted markets; FX charges and lifestyle perks are excluded. Use the detailed rewards calculator for market splits and verified FX deductions. No borrowing costs are included. Negative values remain visible.
Open the detailed personal rewards calculatorSalary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 15,000
- Annual fee
- AED 735
- Bank FX charge
- Confirm with bank
- Monthly interest rate
- 3.25%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
AED 735 joining fee in year one and AED 735 renewal fee from year two. Joining-fee waiver for qualifying existing Liv Max customers is not assumed.
Liv is a digital banking brand of Emirates NBD. Approval and account subscription terms apply.
Cashback or points earning rules, thresholds and caps
Eligible monthly cashback tiers: 1% below AED 7,000; 2% at AED 7,000–14,999; 4% from AED 15,000. Low-earning merchant categories receive 0.1%. Published maximum AED 1,500/month, also subject to the credit-limit cap.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. Monthly reward cap: AED 1,500. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|
First-year AED value and conditional welcome offers
The cash value of this reward programme is not verified. No total reward estimate is presented.
Annual rewards are not estimated: whole-month spending tiers, 0.1% low-earning categories and a cap tied to the assigned credit limit require inputs and rules not yet supported by this calculator.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
Cashback+ Credit Card
Dirham Score 2.9/570% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Joining fee AED 735
AED 735 joining fee in year one and AED 735 renewal fee from year two. Joining-fee waiver for qualifying existing Liv Max customers is not assumed.
Liv is a digital banking brand of Emirates NBD. Approval and account subscription terms apply.
View breakdown
Annual rewards are not estimated: whole-month spending tiers, 0.1% low-earning categories and a cap tied to the assigned credit limit require inputs and rules not yet supported by this calculator.
Calculation assumptionsRewards, fees & important conditions
Read the full Cashback+ Credit Card review and fee maths
Eligible monthly cashback tiers: 1% below AED 7,000; 2% at AED 7,000–14,999; 4% from AED 15,000. Low-earning merchant categories receive 0.1%. Published maximum AED 1,500/month, also subject to the credit-limit cap.
VOX3tickets/month and25%F&B · Mastercard Travel Pass;800+network
Monthly interest rate: 3.25%. Bank FX charge: Confirm with bank.
Annual rewards are not estimated: whole-month spending tiers, 0.1% low-earning categories and a cap tied to the assigned credit limit require inputs and rules not yet supported by this calculator.
The current direct-download KFS states a minimum monthly salary of AED 5,000 for Cashback and AED 15,000 for Cashback+. Older indexed copies can differ.
Government, utilities and bill payments earn 0.1%. The monthly cap also depends on the assigned credit limit; cycling that limit does not increase it.
Official bank source · checked 2026-10-22Official bank terms, tariff or rewards information
Official bank terms, tariff or rewards information
Official product artwork resized proportionally without cropping, recolouring or changing the depicted card. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Mastercard Travel Pass;800+network
- Cinema: VOX3tickets/month and25%F&B
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- The current direct-download KFS states a minimum monthly salary of AED 5,000 for Cashback and AED 15,000 for Cashback+. Older indexed copies can differ.
- Government, utilities and bill payments earn 0.1%. The monthly cap also depends on the assigned credit limit; cycling that limit does not increase it.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
Emirates Islamic Cashback Plus Credit Card
Emirates Islamic · minimum salary AED 12,000
Compare Cashback+ Credit Card with Emirates Islamic Cashback Plus Credit CardHSBC Live+ Credit Card
HSBC · minimum salary AED 12,500
Compare Cashback+ Credit Card with HSBC Live+ Credit CardConsumer Cashback Platinum Card
DIB · minimum salary AED 15,000
Compare Cashback+ Credit Card with Consumer Cashback Platinum CardOfficial bank sources and application information
- Cashback+ Credit Card official product terms
- Liv: Official product page
- Liv: Official bank terms, tariff or rewards information
- Liv: Official bank terms, tariff or rewards information
- Cashback+ Credit Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.