Card face-off
ENBD Voyager World vs Citi Premier: which is better in the UAE? (2026)
ENBD Voyager World and Citi Premier both compete for everyday UAE spend. The figures below come from each card's live reward rules at AED 9,000 a month, net of annual fees.
ENBD Voyager World Credit Card vs Citi Premier 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 | 6 Voyager Miles on every AED spent on Voyager Travel Portal. |
 | AED 787.50 | Free | 2.99% | AED 15,000 | 3 ThankYou Points per USD on dining, fuel and grocery. |
| Card | Annual fee | Joining fee | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
| Free | Free | 3.14% | AED 12,000 | 6 Voyager Miles on every AED spent on Voyager Travel Portal. |
| AED 787.50 | Free | 2.99% | AED 15,000 | 3 ThankYou Points per USD on dining, fuel and grocery. |
ENBD Voyager World Credit Card
Annual feeFree
Joining feeFree
Foreign transaction fee3.14%
Min. salaryAED 12,000
Highlight6 Voyager Miles on every AED spent on Voyager Travel Portal.
Citi Premier Credit Card
Annual feeAED 787.50
Joining feeFree
Foreign transaction fee2.99%
Min. salaryAED 15,000
Highlight3 ThankYou Points per USD on dining, fuel and grocery.
Which card is better for what
Five answers compare ENBD Voyager World and Citi Premier on general everyday spend; travel and flights; spending abroad; spend at these cards' own merchants; fuel and commuting. 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 788 for Citi Premier. ENBD Voyager World needs a salary of AED 12,000 a month and Citi Premier AED 15,000.
Best for general everyday spend: Citi Premier
Citi Premier returns more across the whole profile — AED 2,080 a year against AED 365, after each card's annual fee.
Modelled monthly spend
Grocery, DiningAED 6,300
Charity, Insurance +6 moreAED 1,900
FuelAED 900
Everything elseAED 4,200
TotalAED 13,300
Annual return
ENBD Voyager World Credit Card0.23% of the profile, after everything+ AED 365
Citi Premier Credit Card
Rewards+ AED 2,868
Annual fee– AED 788
Total1.3% of the profile, after everything+ AED 2,080
Best for travel and flights: Citi Premier
On AED 5,000 a month of travel and flights, ENBD Voyager World earns AED 150 against AED 45. Citi Premier still shows the higher annual total, AED 5,166 against AED 4,911, because it earns more across the rest of the month.
Modelled monthly spend
Flights, Hotels, TravelAED 5,000
Grocery, DiningAED 6,300
Charity, Insurance +6 moreAED 1,900
FuelAED 900
Everything elseAED 4,200
TotalAED 18,300
Annual return
ENBD Voyager World Credit Card
Rewards+ AED 2,165
Benefits usedAirport lounge × 8, Airport transfers × 6, Global eSIM × 1, Visa services × 1+ AED 2,746
Total2.24% of the profile, after everything+ AED 4,911
Citi Premier Credit Card
Rewards+ AED 3,410
Benefits usedAirport lounge × 12, Airport transfers × 4+ AED 2,544
Annual fee– AED 788
Total2.35% of the profile, after everything+ AED 5,166
Best for spending abroad: Citi Premier
On AED 3,990 of foreign spend a month, Citi Premier charges 2.99%, which comes to AED 1,432 a year. ENBD Voyager World charges 3.14%, which comes to AED 1,503 a year. That leaves Citi Premier ahead over the year, AED 2,461 against AED 976.
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 370
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 976
Citi Premier Credit Card
Rewards+ AED 2,872
Benefits usedAirport lounge × 8, Airport transfers × 4+ AED 1,808
Annual fee– AED 788
Foreign transaction fee2.99% on spend abroad– AED 1,432
Total1.54% of the profile, after everything+ AED 2,461
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 2,681 against AED 1,733. 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, DiningAED 4,750
Charity, Insurance +6 moreAED 1,450
FuelAED 700
Everything elseAED 3,050
TotalAED 13,300
Annual return
ENBD Voyager World Credit Card1.68% of the profile, after everything+ AED 2,681
Citi Premier Credit Card
Rewards+ AED 2,520
Annual fee– AED 788
Total1.09% of the profile, after everything+ AED 1,733
Best for fuel and commuting: Citi Premier
On AED 1,600 a month of fuel and commuting, Citi Premier earns AED 43 against AED 1. It keeps more over the year too, AED 2,330 against AED 374, after each card's annual fee. On these two cards the calculator groups Charity, Insurance +6 more in with other spend, so those lines are left as they are.
Modelled monthly spend
FuelAED 1,600
Grocery, DiningAED 6,300
Charity, Insurance +6 moreAED 2,500
Everything elseAED 4,200
TotalAED 14,600
Annual return
ENBD Voyager World Credit Card0.21% of the profile, after everything+ AED 374
Citi Premier Credit Card
Rewards+ AED 3,118
Annual fee– AED 788
Total1.33% of the profile, after everything+ AED 2,330
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
Citibank
Citi Premier Credit Card
Citi Miles
Voyager Travel Portal
6%
AED 0
6% · AED 0
Voyager Travel Portal
0.9%
AED 0
0.9% · AED 0
Flights, Hotels, Travel
3%
AED 0
3% · AED 0
Flights, Hotels, Travel
0.9%
AED 0
0.9% · AED 0
International
0.5%
AED 0
0.5% · AED 0
International
1.81%
AED 0
1.81% · AED 0
Grocery, Dining
0.13%
AED 0
0.13% · AED 0
Grocery, Dining
2.71%
AED 0
2.71% · AED 0
Fuel
0.05%
AED 0
0.05% · AED 0
Fuel
2.71%
AED 0
2.71% · AED 0
Automotive
0.13%
AED 0
0.13% · AED 0
Automotive
0.9%
AED 0
0.9% · AED 0
Charity, Insurance +6 more
0.05%
AED 0
0.05% · AED 0
Charity, Insurance +6 more
0.9%
AED 0
0.9% · AED 0
Other Spends
0.5%
AED 0
0.5% · AED 0
Other Spends
0.9%
AED 0
0.9% · AED 0
Airport Lounge Access
—
Airport Lounge Access
AED 2,208
Golf
—
Golf
—
30% Off VOX Cinemas
—
30% Off VOX Cinemas
AED 312
Airport Transfers
—
Airport Transfers
AED 336
Valet Parking
AED 1,200
Valet Parking
—
Global eSIM
AED 37
Global eSIM
—
OneVasco Visa Services
AED 337
OneVasco Visa Services
—
Trip.com Travel Discount
—
Trip.com Travel Discount
AED 150
Talabat Discount
—
Talabat Discount
AED 14
Annual Fee
Free
Annual Fee
– AED 787.5
Total
+ AED 1,574
Total
+ AED 2,233
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 13,300 month Citi Premier comes out ahead by AED 1,715 a year, AED 2,080 against AED 365 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. Citi Premier answers four: general everyday spend; travel and flights; spending abroad; fuel and commuting. 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 Citi Premier has to return AED 788 a year before it breaks even, roughly AED 66 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 15,000 for Citi Premier. 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 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 Credit Card vs Citi Premier Credit Card: FAQ
Common questions about choosing between ENBD Voyager World Credit Card and Citi Premier Credit Card.