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Liv. Credit Card features
General
- Liv customers holding a primary account with Liv. can apply for our set of credit cards – World and Platinum.
- Customers can only apply for 1 of the two cards via the Liv. app.
- The credit cards will be subject to these special features and the Bank’s terms and conditions (insert link)(“Terms and Conditions”).
Rewards and boosted categories
- Customers can earn rewards in 2 forms: in form of Liv. cashback points or Emirates Skywards miles. This depends on the choice of reward program opted in during application. This can be changed in-app once you have an active credit card.
- Boosted categories - Customers can earn up-to 15 times more rewards on certain categories of spends. Customers can select up to 4 such categories, these categories get locked in for a period of 90 days.
- Purchases made on jewelry, school payments and healthcare bills, utility are excluded from boosted categories.
| Boosted categories | Description | Merchants |
| International Spends | Earn extra rewards on spends outside UAE | All international spends except financial and investment platforms like eToro, Binance etc. |
| International Travel | Earn extra rewards on international travel expenses | Airlines, hotels, online travel, tour operators, |
| Transport and Fuel | Spends > Earn extra rewards on your daily commute, local transportation, and fuel spends with Liv. credit card | RTA taxis, bus and metro services, Careem rides, Uber rides and fuel as per Mastercard merchant categories only |
| Online Shopping | Earn extra rewards on online shopping for gadgets, accessories, and fashion. | Amazon, Souq, Noon, Namshi, Awok, Ounass, Nass, Shein, Sprii, Nisnass, Mumzworld |
| Cinema and Entertainment | Earn extra rewards at cinemas, local tourist attractions, theme parks, game zones etc. | As per Mastercard merchant categorization |
| Dining Out | Earn extra rewards when dining out | Restaurants, cafes and fast-food outlets in the UAE as per Mastercard’s classification of merchant category |
| Food delivery | Earn extra rewards on online food deliveries | Talabat, Carriage, Uber Eats, Careem Food, Deliveroo, Eat Clean, KCAL |
| Online Groceries | Earn extra rewards on online groceries | ElGrocer, Kibsons,Trolley, Bulkwhizz, Insta Shop |
| Online subscriptions | Earn extra rewards when you pay for music and video streaming services | Netflix, OSN Wavo, Starz Play, icflix, Prime Video, Eros Now, Apple TV+Music, Spotify, Apple music and Deezer |
| In-store retail shopping | Earn extra rewards while shopping at retail stores across UAE | As per Mastercard merchant categorization |
Card activation
- A digital card may be provided to customer after they complete their card application on the Liv. App. Customer will need to activate the digital card by following the in-app instructions to use the digital card. Once the digital card is activated, it can be used for all card transactions where a physical card is not required up to the applicable credit limit and in accordance with Terms and Conditions. Customer must schedule delivery of physical Card within thirty (30) days of activation of digital Card or Liv. may block usage of their card.
- You must activate your card through the Liv. App. Your activation of the card is proof of delivery and will constitute binding and conclusive evidence of your receipt of the card and acceptance of the Terms and Conditions.
Payments
- All information for interest and calculation method of interest is available on the Credit Card Key Facts Statement.
- Up-to-date interest rates are always shown in the Interest Rate Schedule on the Liv. app.
- Customers can pay their credit card bill through their primary account.
- Cash deposit through any ENBD cash deposit machines within UAE.
- Through the payment portal of any other bank.
Closure
- For closure of the credit card, request can be raised for card closure through ‘Chat’ via the Liv. App.