Credit card

If you fit all the below requirements, you’re eligible to apply:

• Your base salary is at least AED 5000 & paid through bank transfer.
• Your AECB score is at least 541.
• You do not exceed 50% of your base salary when paying your current monthly installments.
  (For example, if you earn AED 10,000 per month and your auto loan and personal loan payments already add up to AED 5,000, you will not be eligible for further credit)

If you’re eligible, log in to the Liv X app and click on Credit Card’ under ‘Apply now’. Once you’ve applied, stay tuned for app updates on your application as you may be asked for more details or documents.

Liv has two types of credit cards tailor-made to suit your needs – Liv Cashback Card (previously Liv Platinum Card) and Liv Cashback+ Card (previously Liv World Card). You can visit our credit card homepage here to view all the benefits and offers on these cards. For specific partner offers, you can also visit the Deals page.

To give you the best cashback rates in the market we have revised and renewed our rewards program on 29 August 2024 . Our new rewards program will help you earn cashback on ALL your purchases. The cashback amount you earn will be determined by your card type and your monthly spends. The table below breakdowns the revised cashback rates.

To bring you an enhanced experience at every level, our Liv Platinum Card is now rebranded to Liv Cashback Card and the Liv World Card to Liv Cashback+ Card.

Once you upgrade to a new monthly spend tier, all your transactions for that month will earn the new cashback rate. For example, spending AED 16,000 in a month means that you earn 4% on your Cashback+ Card (and 2% on Cashback Card) for all your previous spends of that month!

You can apply for a Liv credit card in two ways – Liv website or the Liv X app.

You can apply for a Liv credit card from Liv website, if you do not want to have an account with us. Simply go to the Credit Card page on our website and click on Apply Now.

You can also apply for our credit card through the Liv X app, for which you need to create an account with us.

If you are applying on the Liv X app, please keep your Emirates ID handy for scanning. However, if you are applying through our website, you will need your passport as well.

You will receive the status of your credit card application as soon as you complete the application process. If your credit card application goes under review, then one of our team members will contact you within 3-5 business days. For further assistance, you can also call or WhatsApp us at 600521212 with your application reference number.

Unfortunately, your credit card application was rejected due to our internal bank policies. If you wish to try again, reapply after 30 days.

Once your card is approved on the app, you will need to accept the limit. After this is done, our courier partner will deliver your credit card within 5 working days after it’s approved. You will receive a message to schedule your delivery with Aramex, and use your mobile number registered with Liv while doing the same. Keep your valid Emirates ID handy at the time of card delivery.

If you don’t have an account with us, install and login to Liv X app using the credentials (email ID and password) created during your credit card application journey on the website. Please make the device trusted and set up Smart Pass, after which you will be shown the activate option on the digital credit card in the app. Set your PIN, and now you’re good to go!

Congrats! The credit card dashboard is your go-to place for all. Just go to home page and click on ‘You Owe’. Select ‘View all Details’ and then click on ‘Cashback Earned’ under your digital card.

There are no differences in benefits received or rewards earned, whether you apply for our credit card from Liv website or the Liv X app.

You need to have an account with us to apply for other Liv products. However, you can apply for our credit card without creating an account with us.

No. If you already have an account with us, please apply for Liv credit card from the Liv X app.

Currently, we provide only one credit card at a time to all our customers

No, you do not need to replace your current Liv credit card to enjoy the full benefits of the new cashback program. The new cashback rates and benefits will be implemented on your current credit card automatically.

You can continue to enjoy the benefits of your existing add-ons till December 2024. Post this, all your add-ons will be discontinued.

Previously, we provided different cashback rates across boosted and base categories. The new cashback program will help you earn cashback on all spends, irrespective of categories. Based on card type and spend tier for the month, Liv Cashback+ cardholders will get up to 4% cashback and Liv Cashback cardholders will get up to 2% cashback on every spend they make.

We continuously strive to offer our customers the best value and benefits. These changes are designed to provide better cashback rates in the market and align with maximizing your rewards.

Your cashback amount is calculated at the end of every calendar month and is not tagged to your billing cycle dates.

Yes, you will receive cashback up to 4% on all your purchases, depending on your card type and monthly spends. For low merchant categories, you will earn up to 0.1% cashback.

Please note that you will only be able to see cashback on transactions that are “settled”. This can take up to 5 working days depending on the merchant but will reflect on your app as soon as it is done.

Below transactions will be excluded when your cashback is calculated:

- Payments made on the credit card via the Liv app (e.g., bill payments)

- Instalment plan repayments (e.g., EMI’s)

- Payments made towards the credit card outstanding

- ATM withdrawals from the credit card

These are categories that are usually for fees, bill payments, and government utilities. Some examples are (please note that this is not the full list):

• Telecommunication Services
• Computer Network/Information Services
• Money Transfers
• Cable, Satellite, and Other Pay Television and Radio Service
• Utilities—Electric, Gas, Heating Oil, Sanitary, Water

You need a minimum cashback of 500 to redeem your rewards.

You can request a limit increase once your card is active by calling or sending us a message on WhatsApp at 600521212. This is subject to approval after validating your KYC documents with the bank, and salary/pay slips if required.

You can convert purchases over AED 750 into monthly instalments using an Instalment Payment Plan (IPP). Simply select the transaction on your credit card financial activity page. Each instalment plan has a one-time processing fee of AED 49, and each plan may have its own interest rate.

What’s more? We have also partnered with popular retail merchants to bring you 0 interest Instalment Payment Plans (0% IPP). For 0% IPP, your transaction needs to be worth a minimum of AED 500.

To cancel an IPP, simply chat with our team. A cancellation fee of 1% of the outstanding principal amount applies.

Spends exceeding up to 3% of your credit card limit will not be charged. Anything above will accrue a fee of AED 292.95 per month.

You will be charged a cash advance fee of AED 99 or 3% of the debited amount, whichever is higher.

You can change your billing date up to 2 times and change your minimum payment % as many times as you like. To change your repayment settings, go to ‘Details’, under your credit card dashboard, and scrll down to ‘Repayment Settings’.

You will be charged a late payment fee of AED 175 (plus VAT) if you do not pay your credit card bill on time. There will also be additional billed finance charges for outstanding transactions. Please refer to our Key Facts Statement for more details.

Immediately go to ‘Services’ under your Credit Card dashboard and click on ‘Card Replacement’. You will get an option to either permanently block your card, or block and replace it.

For fraud related blocks, please urgently call or WhatsApp us at 600521212.

If you wish to cancel your credit card, reach out to our support team via call (available 24/7) or WhatsApp (available 9AM - 5PM) on 600521212.