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Cashback
Liv
Cashback Credit Card
No salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 0
Monthly rate
3.49%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
50.9%
Free for life
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life
- Monthly rate
- 3.49%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 50.9%
- Minimum salary
- AED 5,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- Up to 2% cashback on all spends by monthly spend tier: 2.0% at AED 10,000+, 1.5% at AED 5,000-9,999, 0.75% at AED 0-4,999
- Cashback capped at AED 750 per month; low merchant categories (government, utilities, bill payments) earn 0.1%
- Rewards redeemable as cashback or Emirates Skywards Miles (up to 5,000 Miles per month); minimum 500 points to redeem
- Airport lounge access at 25+ airports
- VOX Cinemas: 2 free tickets per month + 25% off F&B (on F&B spend of AED 40 or more)
- Talabat: 20% off on 1 order per month
- Zee5: 25% off Mastercard Annual 4K Pack; ExpressVPN: 30-day complimentary trial + up to 51% off 12-month plan
- Monthly cashback also limited to a percentage of the assigned credit limit (e.g. up to 4% of the credit limit)
- 0% instalment plans at 500+ merchants (AED 49 processing fee per plan); Loan on Card up to 90% of credit limit
- No welcome bonus stated for this card
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.