Credit Card in UAE

Liv. World 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, a prominent bank in the UAE, launched Liv in 2017. Liv is Emirates NBD’s digital lifestyle bank that offers flexible credit cards which provide customers the liberty to choose and conveniently switch between reward programmes. Customers can here opt to earn rewards in the form of Skywards Miles, cashback, or U by Emaar Points. Depending on their preferences, cardholders can choose a maximum of four purchase categories for these rewards from the list comprising dining out, shopping, groceries, and more.

Products like Liv. credit cards from this digital bank are designed to cater to the millennial generation's preferences such as convenient banking at any time of the day. This article will provide an overview of Liv. credit cards with an emphasis on the Liv.World credit card.

Liv. credit cards give you the power to customise your card as your lifestyle changes. With these cards, you can earn up to 15% of your expenditure as a reward. You can apply for, create, and activate your Liv. credit card digitally using the Liv. mobile app. 

This application in itself is quite beneficial. You can use it to track your expenses, check on the rewards earned on transactions, redeem or switch to another reward scheme, and more.

You can choose any four categories from the following expense categories for the rewards -

  1. Dining out
  2. In-store retail shopping
  3. Streaming subscriptions
  4. Fuel and daily commute
  5. Online shopping
  6. Food and Deliveries
  7. Online grocery shopping
  8. Entertainment
  9. International purchases
  10. Travel

Once you have selected the four categories, decide on the amount that you would spend on these categories every month as well as on other expenses. These estimations will help you determine the rewards points you can earn as cashback and Skyward Miles.

There are two Liv. credit cards - Liv.Platinum credit card and Liv. World credit card. This article will highlight the features, benefits, and offers available with the Liv.World credit card.

Features and Benefits of Liv.World Credit Card

Here are the key features and benefits of Liv.World credit cards –

  1. Cashback Rewards 
  2. Earn a maximum of AED 18,000 in cashback annually or up to 10,000 Skywards Miles per year
  3. Up to 15% cash back on every transaction or earn 1 Skywards Miles on every AED spent on the reward-boosting categories chosen by you 
  4. AED 400 as cashback n Liv.World credit card
  5. Discount and Offers 
  6. Buy 1 Get 1 Free’ offer on Dining and Lifestyle
  7. 10% off on booking flights via Cleartrip
  8. Access to more than 850 international airport lounges
  9. 1 Year Amazon Prime Membership
  10. Buy 1 Get 1 Free’ offers on movie tickets of VOX Cinemas (valid on 3 movie tickets per month)

Fees & Charges for Liv. World Credit Card

The following is the schedule of Liv. World credit card fees –

Description

Charges

Annual Fee

AED 700

Annual Premium Rewards Joining Fee

Free

Late Payment Fee

AED 175

Cash Advance Fee

3% or AED 99 (whichever is higher)

Regular Instalment Plan – One Time Processing Fee

Free

Instalment Plan/Balance Conversion – Cancellation Fee

1% of the outstanding principal balance

Monthly Interest Rate

3.09%

Card Replacement Fee

AED 25

Transaction in Foreign Currency Fee

1.99%

Stamped Statement Fee

AED 25

0% Instalment Plan – One Time Processing Fee

AED 49 per transaction

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Instalment Plan for Liv.World Credit Card

You can make purchases from a wide range of categories and break your payments of more than AED 500 into a maximum of 12-month instalments. To create an instalment plan, follow these steps -

  • Open the Liv. app and go to the Products option
  • Select Liv. World credit card and click on “Your Financial Activity”.
  • Now, pick the transaction you wish to convert into instalments
  • Once selected, click on the “Convert to Instalment” tab and select the 0% interest option

Documents Required to Apply for Liv. Credit Card

Listed below are the documents necessary to apply for Liv. World credit card –

  • Residential Visa
  • Proof of Income – pay slips for the last 3 months, salary certificate, or bank statements

Eligibility Criteria for Liv. Credit Card

To apply for the Liv.World credit card, you must 

  • Be at least 21 years old
  • Have a minimum monthly income of AED 5,000
  • Maintain a debt burden ratio below 50%
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Apply for Liv. World Credit Card on Policybazaar.ae

You can apply for the Liv. World credit card on policybazaar.ae. One of the most remarkable benefits of applying via Policybazaar UAE is that you can explore and compare a plethora of credit cards from the leading banks in the UAE before selecting one for yourself. 

You can visit our quotes page, compare the credit cards as per their features, and apply for one in just a few clicks. When you apply for a credit card in UAE via Policybazaar, you gain access to -

  • Exclusive discounts and offers on credit cards
  • Impeccable after-sales customer care service
  • Best credit cards in the UAE in one place
  • Complimentary access to credit score

All ENBD Credit Cards to Apply

Emirates NBD Skywards Signature Credit Card

Emirates NBD Dnata Platinum Credit Card

Emirates NBD Skywards Infinite Credit Card

Emirates NBD Manchester United Credit Card

Emirates NBD Visa Infinite Credit Card

Emirates NBD Webshopper Credit Card

Emirates NBD U By Emaar Visa Credit Card

Emirates NBD Go4it Platinum Credit Card

Emirates NBD Mastercard Titanium Credit Card

Emirates NBD Go4it Gold Credit Card

Emirates NBD Visa Platinum Credit Card

Emirates NBD Marriott Bonvoy World Mastercard Credit Card

Emirates NBD Diners Club Credit Card

Emirates NBD Mastercard Platinum Credit Card

Emirates NBD Dnata World Credit Card

Emirates NBD Duo Credit Cards

Emirates NBD Lulu 247 Mastercard Platinum Credit Card

Emirates NBD Lulu 247 Mastercard Titanium Credit Card

Emirates NBD U By Emaar Signature Credit Card

Emirates NBD U By Emaar Family Credit Card

Emirates NBD U By Emaar Infinite Credit Card Liv. Platinum Credit Card

Frequently Asked Questions

How to activate your Liv.World credit card?

Once you receive your Liv.World credit card, go to the Liv. app, tap on ‘Settings’, and press the Activate button at the top of the page.

How can you block your stolen or lost Liv. World credit card?

If you have lost your Liv.World credit card, go to the settings page on Liv. app and swipe left on the card image to access your card. Once there, tap on the “Lock” option.

If you want to permanently block the credit card, connect with the bank’s customer care service representative.

Can you withdraw cash from your Liv. World credit card?

You can easily withdraw cash using your credit card, although you will be charged a fee of AED 99 or up to 3% of the amount you need to withdraw. This amount will be charged to your Liv.World credit card.

Can you change the due date or the minimum payment amount for your Liv.World credit card?

You can change your billing date only twice, whereas, the minimum payment amount can be changed as many times as you want.

To make changes in the repayment settings, go to the ‘Settings’ tab, swipe left on the card image, and tap the “Change Repayment Settings” option.

Credit Cards Reviews & Ratings

4.7/5 (based on 5 reviews)
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