Get 20% Cashback on International Spends!

In addition to these Visa Liv Debit Card Cross Border Campaign terms and conditions ("Campaign Terms"), this campaign shall also be subject to the Bank’s General Terms and Conditions for Consumer Banking Products available on the Bank’s website, as may be amended from time to time (“ENBD GTC”). If there is any conflict between these Campaign Terms and the ENBD GTC, these Campaign Terms shall prevail, to the extent it relates to this campaign.

Visa Liv Debit Card Cross Border Campaign:

Customers are eligible for a 20% cashback upon the condition that they make international spends worth AED 1,000 or more on their Liv Debit Card during the Campaign Period.

The campaign terms are as below:

1. Campaign period shall run from 26th June to 26th August 2025 both dates inclusive ("Campaign Period").
2. Customers are eligible for 20% cashback upon the condition that they make international spends worth AED 1,000 or more on their Liv Debit Card (“Eligible Transaction(s)”) during the Campaign Period.
3. Only completed and settled transactions (as determined by the Bank in its discretion) will be considered as Eligible Transactions.
4. Reversed or refunded transactions are excluded from Eligible Transaction.
5. ATM withdrawals and foreign currency conversions are excluded from Eligible Transactions.
6. Only purchases made in foreign currency (outside UAE) within the Campaign Period are eligible for this campaign and to be considered as Eligible Transactions.
7. Cross-border eCommerce transactions worth AED 1,000 or more are also considered to be Eligible Transactions.
8. The maximum cashback a customer can get during the Campaign Period is capped at AED 350.
9. Winners will be selected by the Bank based on the overall transaction value they make during the Campaign Period. Only the top 250 customer who made the highest spends will be eligible for the 20% cashback.
10. Cashback amount will be credited to the customer’s active Liv Primary Account within 60 business days after the Campaign Period.

Miscellaneous:

1. Cashback amount will be forfeited, or customers holding eligible Liv debit accounts may be disqualified from participation in the campaign, if the Bank has sufficient grounds to believe that any such customer winner has violated any laws or regulations applicable in the UAE.
2. The cashback amount featured in all printed materials and/or website of the Bank are shown for illustrative purposes only. The Bank reserves the right to amend, withdraw or change the specifications of the cashback amount, at its sole discretion with notice to customers, subject to applicable laws/regulations.
3. These Campaign Terms are subject to change, addition, or amendment, at the sole discretion of the Bank with notice to customers, in accordance with applicable laws/regulations.
4. The Bank may alter the Campaign Period at its sole discretion in accordance with applicable laws/regulations.
5. This campaign is not valid in conjunction with any other promotion, campaign or offer of Emirates NBD or Liv.
6. Employees of the Bank are not eligible.
7. All decisions of the Bank relating to the campaign, are at its sole and absolute discretion. All decisions of the Bank shall be final and conclusive.
8. The Bank shall not be liable for any loss (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Bank’s control); (b) any theft, unauthorized access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Bank) due to any reason beyond the control of the Bank; (d) any tax liability incurred by a winner under this campaign; or (e) use of a prize.
9. The Bank may from time to time, in its sole discretion, amend and/or vary the features of the Visa Cross Border Campaign, as well as these Campaign Terms. Such amendment/variation may involve the following:
   9.1. limiting or changing the value of cashback under the Visa Liv Debit Card Cross Border campaign and/or the manner of their redemption;
   9.2. changing:
   9.2.1. The eligibility criteria for transactions in respect of which minimum spend may accrue; and/or
   9.2.2. The number of transactions required for the redemption of cashback; and/or
   9.2.3. The Bank accepts no liability for any such amendment and/or variation.
10. These Campaign Terms and any dispute arising from them, including in relation to interpretation or execution, shall be governed by the laws of the United Arab Emirates as applied in the Emirate of Dubai and subject to the exclusive jurisdiction of the Courts of Dubai (excluding courts of the Dubai International Financial Centre).