Experience a new age of digital banking that is designed to take you a step closer to achieving your financial goals. Simplify your finances and see your money work hard for you, all from the convenience of the Liv X Digital Banking app.
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Top Features at a Glance
Other Benefits: Airport Lounge Access ⋅ Cinema Tickets ⋅ Installment Payment Plan |
Min. Salary:
AED 5000 Annual Fee: AED 0 Rate: 3.25% |
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Top Features at a Glance
Other Benefits: Airport Chauffeur Services ⋅ Airport Lounge Access ⋅ Cinema Tickets ⋅ Travel Insurance ⋅ Installment Payment Plan |
Min. Salary:
AED 10000 Annual Fee: AED 700 Rate: 3.25% |
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Liv. is a digital banking platform launched by Emirates NBD in the UAE, designed to cater to the tech-savvy younger generation. It offers a seamless banking experience through a mobile app, allowing users to manage their finances, track spending, and access various financial products. Liv. features include instant account opening, customizable savings goals, and lifestyle rewards, making it an attractive option for millennials and Gen Z. By leveraging technology, Liv. aims to redefine how banking is perceived and accessed in the UAE.
If you fit all the below requirements, you’re eligible to apply:
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.
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.
| Monthly Spends on Cashback+ Card | Cashback rate |
|---|---|
| AED 15,000+ | 4.0% |
| AED 7,000 – 14,999 | 2.0% |
| AED 0 – 6,999 | 1.0% |
| Maximum cap per month | AED 1,500 |
| Low merchant categories | 0.10% |
| Monthly Spends on Cashback Card | Cashback rate |
|---|---|
| AED 10,000+ | 2.0% |
| AED 5,000 – 9,999 | 1.5% |
| AED 0 – 4,999 | 0.75% |
| Maximum cap per month | AED 750 |
| Low merchant categories | 0.1% |
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!
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!
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.
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.
