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 10,000+ monthly spend: 2% cashback (or equivalent Skywards Miles)
• AED 5,000–9,999 monthly spend: 1.5% cashback
• AED 0–4,999 monthly spend: 0.75% cashback
• Government, utilities, and bill payments: 0.1% cashback (low merchant category)

Monthly cashback cap: AED 750 | Monthly Skywards Miles cap: 6,000 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 25+ UAE airport lounges
• 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 VOX Cinemas and partner venues
• Food Delivery: Discounts on Talabat and other partner delivery platforms
• Streaming: Discounts on Zee5 and ExpressVPN subscriptions
• Instant digital card issued upon approval — available for immediate use in the Liv app and digital wallets