Get Cashback on your Debit Card Spends

In addition to these VISA Liv Debit Card Cashback 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 Cashback Campaign

Customers may be eligible for a cashback if they make transactions worth AED 10,000 or more with their Liv Debit Card during the campaign period, subject to the conditions below and limited to the top eligible customers.

The Campaign Terms are as below:

1. Campaign period shall run from 15^th September 2025 to 15^th November 2025 both dates inclusive. (“Campaign Period”)
2. Customers who make a minimum spend of AED 10,000 or more in domestic spends (transactions in AED within UAE) during the campaign period. (“Eligible Transaction(s)”) will qualify for consideration for cashback of AED 500, subject to the selection criteria below.
3. From among all customers who meet the minimum spend requirement, only the top 100 customers with the highest total domestic spends during the campaign period will be eligible for the cashback.
4. The maximum cashback a customer can get during the campaign period is capped at AED 500. Eligible customers can earn the cashback only once during the campaign period.
5. ATM withdrawals, fees, charges, and foreign currency conversions are not considered as Eligible Transactions.
6. Reversed, refunded, or disputed transactions are not considered are not considered as Eligible Transaction.
7. Winners will be selected by the Bank strictly based on the overall value of Eligible Transactions made during the campaign period.
8. The Bank reserves the right to disqualify any transactions or customers that do not meet the eligibility criteria or are found to be fraudulent.
9. Cashback amount will be credited to the customer’s active Liv Primary Account within 60 business days after the end of 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. Any cashback amount or figures featured in promotional or marketing materials (including the Bank website) for illustrative purposes only. The Bank reserves the right to amend, withdraw or change the cashback amount at its sole discretion with notice to customers, subject to applicable laws and regulations.
3. These Campaign Terms are subject to change, addition, or amendment, at the sole discretion of the Bank subject to applicable laws and regulations. Any material changes will be notified to customers in accordance with applicable laws.
4. The Bank may extend, shorten, or otherwise alter the campaign period at its sole discretion, subject to applicable laws and regulations, provided that any such changes will not affect customers who have already qualified prior to the change.
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 Liv Debit Card Cashback Campaign, as well as these Campaign Terms. Such amendment/variation may involve the following:
   1. limiting or changing the value of cashback under the VISA Liv Debit Card Cashback Campaign and/or the manner of their redemption;
   2. changing:
      1. the eligibility criteria for transactions in respect of which minimum spend may accrue; and/or
      2. the number of transactions required for the redemption of cashback; and/or
      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).