Liv Cashback Credit Card vs ADCB 365 Cashback Credit Card
A free flat-rate card against a category card with a fee and a spend gate.
Verified 17 Sept 2026Our verdict
This one turns on whether your spending is concentrated. ADCB 365 pays several times Liv's rate on dining, fuel and entertainment, which covers its fee comfortably for a household that spends there — and pays nothing at all in a month where total card spend falls under its gate.
Liv asks nothing and gates nothing. If your spend is spread thin, or uneven month to month, the flat card keeps what the category card forfeits.
Side by side
| Liv Cashback Credit Card | ADCB 365 Cashback Credit Card | |
|---|---|---|
| Annual fee (year 2+) Annual fee year 2+ | Free ↗ | AED 383.25 (incl. VAT) |
| Minimum salary Min salary | No minimum ↗ | AED 5,000/mo |
| Top earn rate Top earn rate | — | Dining 6% ↗ |
| Welcome bonus Welcome bonus | 10,000 Skywards Miles | AED 365 welcome bonus — AED 5,000 spend within 45 days of issuance. |
| Lounge access Lounge access | None | None |
The full reviews
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