Credit Card in UAE

Liv. Platinum Credit Card

Credit Card with
Cashback and Rewards
  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits

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Emirates NBD’s digital bank, named Liv., has rolled out a remarkably flexible credit card in the UAE to cater to the millennial generation's lifestyle,  personal, and household needs. Whether you are a foodie, keen online shopper, jet-setter, or avid traveller, Emirates NBD credit cards by Liv. can make for a perfect choice for you. Liv. offers two types of credit cards – Liv. Platinum Credit Card and Liv. World Credit Card. Both credit cards are customisable and offer numerous attractive perks.

This write-up will shed light on Liv. Platinum Credit Card and its various aspects. It will also provide information on the card’s benefits and features, eligibility criteria, documents required to apply for it, the activation process, application procedure, and so on. 

What is Emirates NBD Liv. Platinum Credit Card?

Emirates NBD Liv., one of the fastest-growing digital-only lifestyle banks, has launched LIv. Platinum Credit Card targeting millennials and their unique requirements. The Liv. Platinum Credit Card offers rewards, lifestyle benefits, and round-the-clock service to its customers. 

Liv. has launched the credit card in partnership with MasterCard catering to the evolving requirements of its young customer base. Customers can easily earn rewards through points, cashback, or Skyward miles. 

Features and Offers of Liv. Platinum Credit Card

  • Applicants can digitally create their own Liv. Platinum Credit Card as per their lifestyle requirements
  • Liv. Platinum Credit Card holders can pick the spending categories for extra rewards - up to four categories can be chosen. Given below are the available categories:
    • Dining Out
    • Entertainment
    • Food and Deliveries
    • Fuel and Daily Commute
    • In-Store Retail Shopping
    • International Spends
    • Online Groceries
    • Online Shopping
    • Streaming Subscriptions
    • Travel

Cardholders Can also pick the budget for the chosen categories and others on a monthly basis.

  • Get free airport lounge access worldwide 
  • Liv. Platinum Credit Card has a 3.25% monthly interest rate
  • With Liv. Platinum Credit Card, you will be eligible to get a one-year Amazon Prime membership
  • Get up to two movie tickets free each month at Vox Cinemas
  • Earn up to AED 12,000 cashback on an annual basis
  • Chance to get 10,000 U by Emaar Points per month
  • Get up to 15% cashback
  • Earn up to 1 Skyward Mile per Dirham spent
  • ‘Buy one and get one’ offers on dining and lifestyle
  • No fee is applicable for the Liv. Platinum Credit Card 
  • 10% discount on Cleartrip flight bookings
  • Enjoy 10% off Hotels.com Discount
  • Avail of 0% instalment plans on a wide range of categories and brands
  • You can also apply for the regular installment plan on Liv. Platinum Credit Card.
  • Cardholders can also take advance cash using their card 
insurer your car

Eligibility Criteria for Liv. Platinum Credit Card?

You would be required to clear the mentioned eligibility criteria to apply for the Liv. Platinum Credit Card -  

  • Income: The base salary of an applicant should be at least AED 5,000. Furthermore, the salary should be transferred to the bank.
  • Credit score: The applicant’s AECB credit score should be 541 or more 
  • Monthly Instalments: Applicant's salary should not exceed 50% of the base salary when paying their current EMIs
  •  Age: Individuals should be 21 years old or above to apply for the Liv. Platinum Credit Card.
  • Debt-Burden Ratio: Applicant’s debt-burden ratio should be less than 50%

Instalment Plans on Platinum Liv. Credit Card

Liv. Platinum Credit Card offers 0% instalment plans on some of the most renowned brands both online and in-store. You can also use the installment plans to renovate your house, purchase a new laptop, and so forth. With the help of the installment plans, you can purchase the approved item and repay the dues in 12 monthly installments. 

Liv. Platinum Credit Card installment plans are available for various categories and brands. Mentioned below are the brands approved under the specified category - 

Categories

Brands on which Liv. Platinum Credit Card 0% Instalment Plans is Available

Supermarkets

  • Carrefour
  • LuLu

E-Commerce Platforms

  • Amazon
  • Ounass
  • Centrepoint
  • Noon
  • Jashanmal
  • Splash Fashion
  • Max
  • Lifestyle
  • SkyShopper

Electronics

  • Jacky’s
  • Ace
  • EMax
  • Bose
  • Jumbo
  • Sharaf DG
  • Apple

Home

  • Home Centre
  • IKEA
  • Homes R Us
  • PAN
  • United Furniture
  • ACE
  • Danube Home
  • Home Box

Clinics and Hospitals

  • Silkor
  • Prime Medical Center
  • Dr. Joy Dental Clinic
  • Mediclinic
  • Burjeel Hospital

Beauty and Fitness

  • Fitness First
  • Gold’s Gym
  • Dubai Ladies Club
  • Cleopatra’s
  • UFC Gym
  • Decathlon
  • VLCC
  • Adventure HQ

Jewellery and Watches

  • Joyalukkas
  • Liali Jewellery
  • Damas
  • Hour Choice
  • Pandora
  • Malabar Gold and Diamonds

Services

  • Dubai Municipality
  • Dewa
  • Dubai Police

Travel and Leisure

  • Emirates
  • Dnata Travel
  • Air Arabia
  • Fly Dubai
  • Holiday Factory
  • Holiday Me

How to Apply for Liv. Platinum Credit Card 0% Instalment Plan?

You can split payments of above AED 500 to buy products and avail services with Liv. Platinum Credit Card 0% installment plans. For this, you can follow these steps - 

  • Open the Liv. application
  • Navigate to 'Products' and choose 'Credit Card’
  • Select 'Your Financial Activity’
  • Choose the transaction you want to split in monthly installments
  • Click on ‘Convert to Instalments’ and select the ‘0% Interest Option’
  • Keep in mind that applicants would be required to pay a one-time processing fee to opt for this plan
insurer your car

How to Create My Own Liv. Platinum Credit Card?

As mentioned earlier, there are 10 spending categories out of which you can pick 4 on which you can earn extra rewards. To choose the best ones as per your needs, you can use the automated calculator given on the official website of Emirates NBD. 

Using this calculator, you can easily compute the Liv. Cashback and Emirates Skywards Miles that you can earn. To get the required information, the user would have to enter the following details - 

  • Four spending categories where they frequently spend their money
  • Average monthly expenditure on the select categories
  • Money that they want to spend on non-opted spending categories

Upon entering the information mentioned above, users will get the estimate of Liv. cashback in AED and Emirates Skywards Miles. They can tweak the options and select the categories that align with their needs more.

How to Apply for Liv. Platinum Credit Card?

You would simply need to follow the given process to apply for the Emirates NBD Liv. Platinum Credit Card - 

  • Download the Liv. application from the Google Play Store or the Apple Store (for Android devices running on Android 6 or iPhone running iOS 11 or above, respectively)
  • After signing up, you will be required to open a Liv. Account
  • Apply for the Liv.Platinum Credit Card on the 'Products' page

Besides applying for your Liv. Platinum Credit Card, you can avail of the following services associated with your card on the mentioned application - 

  • Track your spending and earnings - you can also track your spending by merchants and categories
  • Check out the rewards list on each transaction
  • Raise disputes, if any
  • Redeem or switch the rewards at your convenience
  • Apply for 0% installment plans

How to Activate Liv. Platinum Credit Card?

Cardholders can receive their Liv. Platinum Credit Card within 5 working days after the approval. Once you receive your card, you will be required to activate it in the following manner - 

  • Open the Liv. Bank application
  • Navigate to ‘Settings’
  • Swipe left on the image to see your Liv. Platinum Credit Card
  • Tap 'Activate Card’ and follow the prompted instructions to set the PIN

After setting the PIN, you can use the card for transactions.

Fees and Charges on Liv. Platinum Credit Card

Check out the table below for the fees and charges on Liv. Platinum Credit Card - 

Services

Charges of Liv. Platinum Credit Card

Annual fee

Free

Monthly Interest Rate

3.25%

Annual premium rewards joining fee

AED 200

Card replacement fee

AED 25

Late payment fee

AED 175

Foreign currency transaction fee

1.99%

Applicants would also be required to pay a 1.15% processing fee charged by MasterCard

Cash advance fee

3% or AED 99 (whichever is higher)

Stamped statement fee

AED 25

0% Instalment plan -  one-time processing fee

AED 49 per transaction

Regular instalment plan -  one-time processing fee

Free

Instalment plan or balance conversion - cancellation fee

1% of the principal outstanding balance

How to Track Balance, Rewards, and Bills of Liv. Platinum Credit Card?

Cardholders can access their Liv. Platinum Credit Card balance, rewards, and bills on the credit card dashboard of Liv. bank application. 

Credit Card Statement

You can get a digital or paper copy of your credit card statement by following these simple steps - 

  • Navigate to ‘Products’ on the Liv. bank application
  • Go to the 'Credit Cards’ section
  • Tap the icon on the top right corner of your credit card page to get the Liv. Platinum credit card statement

Tracking Recent Transactions 

  • On the credit card dashboard, tap ‘My Balance’
  • This will summarise your spending over the last six months
  • You can also view the transactions in the list of confirmed, booked, and pending categories

Summary of Rewards

  • On the 'Rewards' dashboard, cardholders can see detailed information on the points and benefits they have earned
  • The following details and services are available here - 
  • Points or rewards are available for redemption
  • Get an overall idea of all your earned rewards - Skywards, U by Emaar Points, and Cashback
  • Option to quickly transfer skywards miles and Emaar Upoints
  • Earn add-ons starting with AED 5
  • Claim rewards conveniently
  • Cardholders can also change the rewards programmes and spending categories per their preference
  • Get detailed information on how your points and rewards are computed

Pay Your Bills

You can pay your telecom and utility bills like DU, Etisalat, Swyp, DEWA, and SEWA under the 'Pay Bills' dashboard.

How to Change Credit Limit and Upgrade Liv. Platinum Credit Card?

Change your Liv. Platinum Credit Card Limit

You can quickly decrease or increase your Liv. Platinum Credit Card via these steps - 

  • Head to the Liv. bank application
  • Go to the 'Settings’ page
  • Swipe left on the card image at the top to see your Liv. Platinum Credit Card
  • Click on the 'Request Limit Adjustment' button
  • You can now easily increase or decrease the limit at your convenience

Note:  Changing the credit limit is possible only when you have an authorised physical Liv. Platinum credit card that was issued six months ago or more 

Upgrade your Liv. Platinum Credit Card to the Liv. World Credit Card

You can also upgrade your card to earn more rewards and benefits. To get Liv. World Credit Card, you would have to apply for a new card on Liv. bank application.

What to do If I Lost my Liv. Platinum Credit Card?

If your Liv. Platinum Credit Card is lost or stolen, you can lock your card to prevent any further transactions from taking place on it. 

Here is how you can lock your card - 

  • Go to the Liv. bank application
  • Head to the ‘Settings’ page
  • Swipe left on your Liv. Platinum Credit card and tap ‘Lock’
  • Cardholders can then use the ‘live chat’ on the application to receive the next steps to be followed

It’s worth noting that you can also permanently block your Liv. Platinum Credit Card and have a new one reissued. However, for the issuing of a new card, users would have to pay a fee.

Let’s take a look at some frequently asked questions to better understand the Emirates NBD Liv. Platinum Credit Card.

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Frequently Asked Questions (FAQs)

How to cancel my Liv. Platinum Credit Card?

You can cancel your Liv. Platinum Credit Card by simply using the ‘live chat’ feature on the Liv. bank application.

What to do if I forget to pay Liv. Platinum Credit Card bill on the due date?

You would be liable to pay a late penalty fee of AED 175 (plus interest) if you are unable to settle the Liv. Platinum Credit Card dues on time.

Can I change my Liv. Platinum Credit Card bill due date

Yes, you can change your Liv. Platinum Credit Card billing date twice. Simply head to 'Settings' on Liv. bank application and tap ‘Change Repayment Settings’ where you can change your billing date.

How to change Liv. Platinum Credit Card minimum payment amount?

Under the 'Settings' page in the Liv. bank application, tap on ' Change Repayment Settings'  to change the minimum payment amount of your card. You can change your Liv. Platinum Credit Card minimum payment amount as many times as you would like to.

How can I schedule my Liv. Platinum Credit Card delivery?

To schedule your Liv. Platinum Credit Card delivery or follow-up, you can contact Shipa (courier partner) on 800 74472 from your registered mobile number.

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