Liv Cashback Credit Card vs Wio Credit (Mastercard World)

Our verdict

Wio's cashback depends on the account plan, its fee and a cap shared with My Money; the Standard plan earns none. Liv's spend tiers and credit-limit cap also change the result. A headline rate alone cannot settle this comparison, and the generic example does not estimate either card's return.

Start with the account you can qualify for and the conditions you can meet, then check how your actual spending fits the issuer's rules. Neither card should be described as having no salary floor merely because a salary transfer is a separate condition.