| Minimum Salary | Salary Transfer | Islamic Finance | Cashback | Annual Fee | Rate | |
|---|---|---|---|---|---|---|
Liv Cashback Platinum Credit Card
|
Minimum Salary: AED 5,000 | Salary Transfer: No | Islamic Finance: No | Cashback: Yes | Annual Fee: AED 0 | Rate: 3.49% |
Enjoy the MOST Rewarding Credit Card in Town!
Key Benefits:
Up to 4% Cashback on ALL SPENDS up to AED 750
Instant Credit as Cashback or Miles!
Complimentary access to 25+ regional and Middle Eastern airport lounges for the primary cardholder.
Instalment Payment Plans: Split big purchases into easy instalments, with interest-free instalments for over 500+ popular merchants
Loan on Card: Get 90% of your credit limit as instant loan
Easy payback options: Convert outstanding balance to EMIs
Earn up to 1 Skywards Mile per AED 1 spent if you switch your underlying loyalty engine to travel.
Earnings are capped at a maximum of AED 750 in Cashback (or 5,000 Skywards Miles) per billing cycle.
Pick up to 4 personalized target categories (e.g., Dining Out, Online Groceries, Streaming, or Fuel) via the app to heavily maximize your earning yields.
Paperless application via the app with instant digital verification, immediately pushing the card to your digital wallet upon approval.
More Product Benefits:
Talabat: 20% off on 1 order per month
VOX Cinemas: 2 tickets per month + 25% off on F&B
Zee5: 25% off Mastercard Annual 4K Pack
Express VPN: 30-day complimentary trial + Up to 51% off 12-month plan
Rates and Fees:
Free for Life.
Monthly Interest Rate: 3.49%
Late Payment Penalty Fee: AED 175 (+ 5% VAT)
Overlimit Processing Fee: AED 279 (+ 5% VAT) per cycle
International Transaction Fee: 1.99% cross-border fee (+ 1.15% Mastercard processing markup)
Cash Advance Fee: 3% of the transaction or AED 99 (whichever is higher)
Eligiblity & Requirements:
Minimum 21 years old.
Salaried individuals or self-employed business owners.
Must be a resident of the UAE.
Minimum Monthly Income: AED 5,000 (Must be verifiable and officially transferred to a UAE bank account).
Credit Scoring: Subject to a clear credit review, requiring a passing credit score from the Al Etihad Credit Bureau (AECB).
Debt Burden Ratio (DBR): Total monthly financial obligations (existing EMIs + the new card provisioning factor) must not exceed 50% of your total basic salary.
Documents Required:
Completed registration profile managed digitally inside the Liv X app.
Clear scan of your original, valid physical Emirates ID (processed via smartphone NFC/camera scanner).
Valid Passport photocopy displaying an active UAE residence visa page (for expatriates).
Automated digital link to your salary account history or providing 3 months of original bank statements showing consistent monthly payroll deposits.
For Salaried Individuals:
A certified digital or physical salary certificate issued within the past 30 days and the last 3 months of bank statements showing clear payroll history.
For Self-Employed Individuals:
Valid UAE Trade License.
Memorandum of Association (MOA)
3 to 6 months of corporate bank statements tracking active business revenue.
Terms and conditions apply, subject to change without prior notice.
All fees are exclusive of VAT. If VAT is applicable, it will be chargeable and payable in addition to, and at the same time, as the above-mentioned charges.
** Calculator Definitions
Amount:
The total amount of money borrowed, also referred to as the principal amount.
Rate (%):
This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years:
This is the original term or length of the product, stated in years.
Effective Monthly Payment:
This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%):
The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
