Liv Cashback+

The Liv Cashback+ Card earns rewards on all purchases, redeemable as cashback credited to your card or converted to Emirates Skywards Miles — your choice at the time of redemption, switchable at any time via the Liv app.

Earn rate is determined by your total monthly spend — and when you cross into a higher tier mid-month, all previous spends in that month are retroactively upgraded to the higher rate:

• AED 15,000+ monthly spend: 4% cashback (or equivalent Skywards Miles)
• AED 7,000–14,999 monthly spend: 2% cashback
• AED 0–6,999 monthly spend: 1% cashback
• Government, utilities, and bill payments: 0.1% cashback (low merchant category)

Monthly cashback cap: AED 1,500 | Monthly Skywards Miles cap: 10,000 Miles

How you redeem

• Cashback: credited directly to your card account
• Emirates Skywards Miles: converted at time of redemption via the Liv app
• Minimum 500 points required to redeem
• Switch between cashback and Skywards Miles programmes at any time via the Liv app — no card change needed

• Airport Lounge Access: Complimentary access to 800+ airport lounges worldwide via LoungeKey
• Travel Insurance: Comprehensive coverage up to USD 500,000 for the cardholder and family
• Musafir.com: Exclusive discounts on flight and hotel bookings
• Trip.com: Discounts on travel bookings via the Trip.com platform
• Cinema: Discounts on movie tickets at Reel Cinemas and other partner venues
• Dining & Delivery: Discounts on food delivery and dining at partner outlets
• Mastercard World Benefits: Additional exclusive offers and experiences available via Mastercard World
• Instalment Payment Plans (IPP): Split purchases into interest-free instalments at 500+ participating merchants
• Instant digital card issued upon approval — available for immediate use in the Liv app and digital wallets
• Apply in 4 steps via the Liv app — fully paperless, no branch visit required
• Manage your card, rewards, and spend via the Liv app