Card face-off
ENBD Voyager World vs ADCB Traveller Credit Card: which is better in the UAE? (2026)
Abu Dhabi Commercial Bank (ADCB)
ADCB Traveller Credit Card
Both cards reward UAE travellers, but they sit at different price points and use different currencies. The ENBD Voyager World earns Voyager Miles with no annual fee and a large welcome bonus, and it opens at a lower salary tier. The ADCB Traveller is a paid card that pays travel cashback on flights and hotels and bundles Expedia and Careem partner offers. The real question is whether you want miles for free or are happy to pay a fee for travel cashback.
ENBD Voyager World Credit Card vs ADCB Traveller Credit Card compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Joining fee | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
 | Free | Free | 3.14% | AED 12,000 | Voyager Miles on travel-portal bookings, a large welcome bonus and lounge access — with no annual fee. |
| AED 1,575 | AED 1,575 | 1.15% | AED 20,000 | Travel cashback on airline tickets and hotel stays, plus Expedia and Careem partner offers. |
| Card | Annual fee | Joining fee | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
| Free | Free | 3.14% | AED 12,000 | Voyager Miles on travel-portal bookings, a large welcome bonus and lounge access — with no annual fee. |
| AED 1,575 | AED 1,575 | 1.15% | AED 20,000 | Travel cashback on airline tickets and hotel stays, plus Expedia and Careem partner offers. |
ENBD Voyager World Credit Card
Annual feeFree
Joining feeFree
Foreign transaction fee3.14%
Min. salaryAED 12,000
HighlightVoyager Miles on travel-portal bookings, a large welcome bonus and lounge access — with no annual fee.
ADCB Traveller Credit Card
Annual feeAED 1,575
Joining feeAED 1,575
Foreign transaction fee1.15%
Min. salaryAED 20,000
HighlightTravel cashback on airline tickets and hotel stays, plus Expedia and Careem partner offers.
Which card is better for what
Four answers compare ENBD Voyager World and ADCB Traveller on general everyday spend; travel and flights; spending abroad; spend at these cards' own merchants. Each is priced on a month of its own, because a household that spends heavily on one thing does not spend the same total as one that does not. Within an answer both cards see the identical month.
AED 3,350 of that total sits at Voyager Travel Portal, which is where the co-brand rates apply. Spending abroad prices AED 3,990 of the total as non-AED and takes each card's foreign transaction fee off the annual result. Two answers price air travel (travel and flights; spending abroad) and count the airport benefits a traveller uses, each at that card's own published allowance. Every other benefit these cards carry is worth nothing to this household and counts as nothing.
Those months run from AED 13,300 to AED 18,300 a month, and every answer states the one it was priced on. They are the same curated spend profiles every comparison page uses, so the household behind an answer here is the household behind it anywhere.
Annual totals are net of each card's annual fee: none for ENBD Voyager World and AED 1,575 for ADCB Traveller. ENBD Voyager World needs a salary of AED 12,000 a month and ADCB Traveller AED 20,000.
Best for general everyday spend: ADCB Traveller
ADCB Traveller returns more across the whole profile — AED 819 a year against AED 363, after each card's annual fee.
Modelled monthly spend
Grocery, Insurance +2 moreAED 6,300
Fuel, Transportation +6 moreAED 2,800
Everything elseAED 4,200
TotalAED 13,300
Annual return
ENBD Voyager World Credit Card0.23% of the profile, after everything+ AED 363
ADCB Traveller Credit Card
Rewards+ AED 2,394
Annual fee– AED 1,575
Total0.51% of the profile, after everything+ AED 819
Best for travel and flights: ADCB Traveller
On AED 5,000 a month of travel and flights, ADCB Traveller earns AED 432 against AED 150. It keeps more over the year too, AED 8,551 against AED 4,909, after each card's annual fee.
Modelled monthly spend
Flights, HotelsAED 4,200
TravelAED 800
Grocery, Insurance +2 moreAED 6,300
Fuel, Transportation +6 moreAED 2,800
Everything elseAED 4,200
TotalAED 18,300
Annual return
ENBD Voyager World Credit Card
Rewards+ AED 2,163
Benefits usedAirport lounge × 8, Airport transfers × 6, Global eSIM × 1, Visa services × 1+ AED 2,746
Total2.24% of the profile, after everything+ AED 4,909
ADCB Traveller Credit Card
Rewards+ AED 7,578
Benefits usedAirport lounge × 12, Airport transfers × 4+ AED 2,548
Annual fee– AED 1,575
Total3.89% of the profile, after everything+ AED 8,551
Best for spending abroad: ADCB Traveller
On AED 3,990 of foreign spend a month, ADCB Traveller charges 1.15%, which comes to AED 551 a year. ENBD Voyager World charges 3.14%, which comes to AED 1,503 a year. That leaves ADCB Traveller ahead over the year, AED 1,362 against AED 977.
Modelled monthly spend
Spent abroad, in another currencyAED 3,990
Spent in the UAEAED 9,310
TotalAED 13,300
Annual return
ENBD Voyager World Credit Card
Rewards+ AED 371
Benefits usedAirport lounge × 8, Airport transfers × 4, Global eSIM × 1+ AED 2,109
Foreign transaction fee3.14% on spend abroad– AED 1,503
Total0.61% of the profile, after everything+ AED 977
ADCB Traveller Credit Card
Rewards+ AED 1,676
Benefits usedAirport lounge × 8, Airport transfers × 4+ AED 1,812
Annual fee– AED 1,575
Foreign transaction fee1.15% on spend abroad– AED 551
Total0.85% of the profile, after everything+ AED 1,362
Best inside Voyager Travel Portal: ENBD Voyager World
With AED 3,350 a month going through Voyager Travel Portal, ENBD Voyager World ends the year on AED 2,682 against AED 819. That is the same month as the general answer above with a quarter of it moved to those merchants.
Same AED 13,300 a month, with AED 3,350 of it at Voyager Travel Portal.
Modelled monthly spend
Voyager Travel PortalAED 3,350
Grocery, Insurance +2 moreAED 4,750
Fuel, Transportation +6 moreAED 2,100
Everything elseAED 3,100
TotalAED 13,300
Annual return
ENBD Voyager World Credit Card1.68% of the profile, after everything+ AED 2,682
ADCB Traveller Credit Card
Rewards+ AED 2,394
Annual fee– AED 1,575
Total0.51% of the profile, after everything+ AED 819
Which card earns more on your spend?
Adjust your monthly spending to see how cashback changes across cards.
Emirates NBD
ENBD Voyager World Credit Card
Voyager Miles
Cinema
0.5%
AED 0
0.5% · AED 0
Cinema
50%
AED 0
50% · AED 0
Voyager Travel Portal
6%
AED 0
6% · AED 0
Voyager Travel Portal
1.5%
AED 0
1.5% · AED 0
Travel
3%
AED 0
3% · AED 0
Travel
1.5%
AED 0
1.5% · AED 0
Flights, Hotels
3%
AED 0
3% · AED 0
Flights, Hotels
10%
AED 0
10% · AED 0
Fuel, Transportation +6 more
0.05%
AED 0
0.05% · AED 0
Fuel, Transportation +6 more
1.5%
AED 0
1.5% · AED 0
Grocery, Insurance +2 more
0.13%
AED 0
0.13% · AED 0
Grocery, Insurance +2 more
1.5%
AED 0
1.5% · AED 0
Other Spends
0.5%
AED 0
0.5% · AED 0
Other Spends
1.5%
AED 0
1.5% · AED 0
Airport Lounge Access
—
Airport Lounge Access
AED 2,208
Golf
—
Golf
—
Cinema Offers
—
Cinema Offers
—
Airport Transfers
—
Airport Transfers
AED 340
Valet Parking
AED 1,200
Valet Parking
—
Global eSIM
AED 37
Global eSIM
—
OneVasco Visa Services
AED 337
OneVasco Visa Services
—
Annual Fee
Free
Annual Fee
– AED 1,575
Total
+ AED 1,574
Total
+ AED 973
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
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The verdict
On an ordinary AED 13,300 month ADCB Traveller comes out ahead by AED 456 a year, AED 819 against AED 363 for ENBD Voyager World. That is after each card's annual fee and after every cap, which makes it the number to judge them on rather than either advertised rate.
Neither card answers every question. ADCB Traveller answers three: general everyday spend; travel and flights; spending abroad. ENBD Voyager World answers one: spend at these cards' own merchants. Which of those months looks most like yours is what decides it, so the calculator above is worth a minute with your own figures.
The fee asymmetry matters. ENBD Voyager World carries none, while ADCB Traveller has to return AED 1,575 a year before it breaks even, roughly AED 131 of rewards a month just to draw level. Every figure above is already net of that.
Eligibility separates them too: ENBD Voyager World opens at AED 12,000 a month against AED 20,000 for ADCB Traveller. If you sit between the two thresholds the comparison is settled for you regardless of which earns more.
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ENBD Voyager World Credit Card
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ENBD Voyager World Credit Card vs ADCB Traveller Credit Card: FAQ
Common questions about choosing between ENBD Voyager World Credit Card and ADCB Traveller Credit Card.