Liv Cashback Credit Card vs Wio Credit (Mastercard World)

Our verdict

Wio, on the numbers in the table below. It pays a higher flat rate on everything, and its monthly cashback ceiling is more than three times Liv's, so the gap widens rather than closing as spend rises.

Liv's case is the account behind it rather than the card. If your salary already lands in Liv and you want one app for both, the difference is small in absolute dirhams at low spend. If it does not, there is no argument here.