Card face-off
ENBD Voyager World Elite vs ADCB Traveller Credit Card: which is better in the UAE? (2026)
Abu Dhabi Commercial Bank (ADCB)
ADCB Traveller Credit Card
Two premium UAE travel cards, two reward currencies. The ENBD Voyager World Elite is built around Voyager Miles — up to 12 per AED on the travel portal — a large welcome bonus and a stack of airport perks. The ADCB Traveller pays travel cashback on flights and hotels and bundles Expedia and Careem partner offers. Both carry a salary requirement and a fee, so the decision comes down to how you book travel and which rewards you'll actually use.
ENBD Voyager World Elite 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 |
|---|---|---|---|---|---|
 | AED 1,575 | Free | 3.14% | AED 25,000 | Up to 12 Voyager Miles per AED on the travel portal, a large welcome bonus, and airport transfers and lounge access. |
| 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 |
|---|---|---|---|---|---|
| AED 1,575 | Free | 3.14% | AED 25,000 | Up to 12 Voyager Miles per AED on the travel portal, a large welcome bonus, and airport transfers and lounge access. |
| 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 Elite Credit Card
Annual feeAED 1,575
Joining feeFree
Foreign transaction fee3.14%
Min. salaryAED 25,000
HighlightUp to 12 Voyager Miles per AED on the travel portal, a large welcome bonus, and airport transfers and lounge access.
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 Elite 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 5,300 of that total sits at Voyager Travel Portal, which is where the co-brand rates apply. Spending abroad prices AED 6,360 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 21,200 to AED 30,200 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: AED 1,575 for ENBD Voyager World Elite and AED 1,575 for ADCB Traveller. ENBD Voyager World Elite needs a salary of AED 25,000 a month and ADCB Traveller AED 20,000.
Best for general everyday spend: ADCB Traveller
ADCB Traveller returns more across the whole profile — AED 2,241 a year against a loss of AED 318, after each card's annual fee.
Modelled monthly spend
Grocery, Insurance +2 moreAED 9,500
Fuel, Transportation +6 moreAED 4,000
Everything elseAED 7,700
TotalAED 21,200
Annual return
ENBD Voyager World Elite Credit Card
Rewards+ AED 1,257
Annual fee– AED 1,575
Totalthe fee is more than it earns on this profile– AED 318
ADCB Traveller Credit Card
Rewards+ AED 3,816
Annual fee– AED 1,575
Total0.88% of the profile, after everything+ AED 2,241
Best for travel and flights: ADCB Traveller
On AED 9,000 a month of travel and flights, ADCB Traveller earns AED 773 against AED 540. It keeps more over the year too, AED 14,059 against AED 9,694, after each card's annual fee.
Modelled monthly spend
Flights, HotelsAED 7,500
TravelAED 1,500
Grocery, Insurance +2 moreAED 9,500
Fuel, Transportation +6 moreAED 4,000
Everything elseAED 7,700
TotalAED 30,200
Annual return
ENBD Voyager World Elite Credit Card
Rewards+ AED 7,737
Benefits usedAirport lounge × 12, Airport transfers × 4, Global eSIM × 2, Visa services × 1+ AED 3,532
Annual fee– AED 1,575
Total2.67% of the profile, after everything+ AED 9,694
ADCB Traveller Credit Card
Rewards+ AED 13,086
Benefits usedAirport lounge × 12, Airport transfers × 4+ AED 2,548
Annual fee– AED 1,575
Total3.88% of the profile, after everything+ AED 14,059
Best for spending abroad: ADCB Traveller
On AED 6,360 of foreign spend a month, ADCB Traveller charges 1.15%, which comes to AED 878 a year. ENBD Voyager World Elite charges 3.14%, which comes to AED 2,396 a year. That leaves ADCB Traveller ahead over the year, AED 2,030 against a loss of AED 545.
Modelled monthly spend
Spent abroad, in another currencyAED 6,360
Spent in the UAEAED 14,840
TotalAED 21,200
Annual return
ENBD Voyager World Elite Credit Card
Rewards+ AED 1,280
Benefits usedAirport lounge × 8, Airport transfers × 4, Global eSIM × 2+ AED 2,146
Annual fee– AED 1,575
Foreign transaction fee3.14% on spend abroad– AED 2,396
Totalthe fee is more than it earns on this profile– AED 545
ADCB Traveller Credit Card
Rewards+ AED 2,671
Benefits usedAirport lounge × 8, Airport transfers × 4+ AED 1,812
Annual fee– AED 1,575
Foreign transaction fee1.15% on spend abroad– AED 878
Total0.8% of the profile, after everything+ AED 2,030
Best inside Voyager Travel Portal: ENBD Voyager World Elite
With AED 5,300 a month going through Voyager Travel Portal, ENBD Voyager World Elite ends the year on AED 6,998 against AED 2,241. That is the same month as the general answer above with a quarter of it moved to those merchants.
Same AED 21,200 a month, with AED 5,300 of it at Voyager Travel Portal.
Modelled monthly spend
Voyager Travel PortalAED 5,300
Grocery, Insurance +2 moreAED 7,150
Fuel, Transportation +6 moreAED 3,000
Everything elseAED 5,750
TotalAED 21,200
Annual return
ENBD Voyager World Elite Credit Card
Rewards+ AED 8,573
Annual fee– AED 1,575
Total2.75% of the profile, after everything+ AED 6,998
ADCB Traveller Credit Card
Rewards+ AED 3,816
Annual fee– AED 1,575
Total0.88% of the profile, after everything+ AED 2,241
Which card earns more on your spend?
Adjust your monthly spending to see how cashback changes across cards.
Emirates NBD
ENBD Voyager World Elite Credit Card
Voyager Miles
Cinema
1%
AED 0
1% · AED 0
Cinema
50%
AED 0
50% · AED 0
Voyager Travel Portal
12%
AED 0
12% · AED 0
Voyager Travel Portal
1.5%
AED 0
1.5% · AED 0
Travel
6%
AED 0
6% · AED 0
Travel
1.5%
AED 0
1.5% · AED 0
Flights, Hotels
6%
AED 0
6% · AED 0
Flights, Hotels
10%
AED 0
10% · AED 0
Fuel, Transportation +6 more
0.1%
AED 0
0.1% · AED 0
Fuel, Transportation +6 more
1.5%
AED 0
1.5% · AED 0
Grocery, Insurance +2 more
0.25%
AED 0
0.25% · AED 0
Grocery, Insurance +2 more
1.5%
AED 0
1.5% · AED 0
Other Spends
1%
AED 0
1% · 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 74
Global eSIM
—
OneVasco Visa Services
AED 650
OneVasco Visa Services
—
Annual Fee
– AED 1,575
Annual Fee
– AED 1,575
Total
+ AED 349
Total
+ AED 973
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
Compare any UAE cards
Try the full rewards calculator
Add more cards, adjust every spending category, and see exactly how much cashback and rewards each UAE credit card earns on your real monthly spend.
The verdict
On an ordinary AED 21,200 month ADCB Traveller comes out ahead by AED 2,559 a year, AED 2,241 against a loss of AED 318 for ENBD Voyager World Elite. 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 Elite 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.
Both charge an annual fee, AED 1,575 on ENBD Voyager World Elite and AED 1,575 on ADCB Traveller, so both have to earn their keep before anything reaches you. Every figure above is already net of that.
Eligibility separates them too: ADCB Traveller opens at AED 20,000 a month against AED 25,000 for ENBD Voyager World Elite. If you sit between the two thresholds the comparison is settled for you regardless of which earns more.
Ready to choose?
Apply online in minutes — no branch visit needed.
ENBD Voyager World Elite Credit Card
Not sure which card to pick?
Try the UAE Credit Card Picker
Answer a few quick questions and we'll match the best UAE credit card to your monthly spending — personalised cashback, rewards and perks in under two minutes.
ENBD Voyager World Elite Credit Card vs ADCB Traveller Credit Card: FAQ
Common questions about choosing between ENBD Voyager World Elite Credit Card and ADCB Traveller Credit Card.