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Liv Cashback Credit Card vs ADCB 365 Cashback Credit Card

Spend-tier cashback against merchant-specific rewards and qualification conditions.

Source record 1 Nov 2026 — terms pending

Our verdict

ADCB 365's listed subscription rewards depend on named providers and payment channels, while reduced-category and spend conditions also apply. Liv has its own spend tiers and credit-limit cap. Neither is an unrestricted flat return, and this generic comparison does not estimate whether the rewards cover a fee.

Check which merchants and payment channels actually qualify before choosing between them. ADCB eligibility is still being reconciled in this source record; read the pending terms rather than treating a retained income figure as a complete qualification test.

Side by side

Liv Cashback Credit Card and ADCB 365 Cashback Credit Card: fees, eligibility, earn rates and benefits
Measure
Card image: liv.me
Card image: adcb.com
Fees
Annual fee (year 2+) Annual fee year 2+ Free ↗ AED 383.25 (incl. VAT)
Eligibility
Minimum salary Min salary AED 5,000/mo Pending
Earn
Top earn rate Top earn rate — Dining 6%
Benefits
Welcome bonus Welcome bonus — AED 365 welcome bonus — AED 5,000 spend within 45 days of issuance.
Lounge access Lounge access Pending Pending

Year one vs ongoing value

Adjust spend AED 7,800/month

Compare spend rewards minus card fees on eligible everyday UAE purchases.

Uses each card’s general rate, not boosted or reduced-rate categories, and assumes you pay the balance in full. Welcome offers, perks, paid add-ons, rebates and foreign-currency charges aren’t included. Issuer exclusions and credit limits still apply. Targeted or promotional fee waivers are not modelled unless stated on the estimate.

Model groceries, dining and other categories in the spend-return calculator →

Liv Cashback Credit Card

Estimated spend value

First year
Not estimated
Standard renewal
Not estimated Before any renewal waiver

Your monthly spend tier and credit-limit cap change the cashback. This example cannot calculate both.

What’s included for Liv Cashback Credit Card
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
AED 0

Check issuer terms ↗

ADCB 365 Cashback Credit Card

Estimated spend value

First year
Not estimated If listed annual-fee waiver applies
Standard renewal
Not estimated Before any renewal waiver

Eligible subscription merchants, direct-payment channels and reduced-category exclusions are not modelled by this all-spend example. Check the current issuer eligibility guide.

What’s included for ADCB 365 Cashback Credit Card
Annual spend rewards
Not estimated
First-year fee modelled
AED 0
Standard renewal fee
AED 383.25
Monthly qualifying spend
AED 5,000

Waiver terms: Year-one waived (Current ADCB SoF Ver.49/September2026 relationship fee columns apply; no new spend-based waiver is inferred.)

The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.

Check issuer terms ↗

The full reviews

Other matchups