ENBD Voyager World Elite vs Citi Ultima: which is better in the UAE? (2026)

The answer changes with where your money goes: Citi Ultima takes three and ENBD Voyager World Elite takes one of the questions in the comparison above. Model your own spend in the calculator there. Citi Ultima returns more across the whole profile — AED 4,823 a year against a loss of AED 318, after each card's annual fee.

ENBD Voyager World Elite is AED 1,575 a year. Citi Ultima is AED 3,150 a year. The spec table above shows the live figures.

ENBD Voyager World Elite starts at AED 25,000 a month and Citi Ultima at AED 36,750. Both are registry-verified at application, and the spec table above carries the current requirement.

Yes — they are issued by different banks, so holding both is possible subject to each bank's own credit assessment and your total exposure across lenders.

With AED 5,300 a month going through Voyager Travel Portal, ENBD Voyager World Elite ends the year on AED 6,997 against AED 4,994. 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.

On AED 6,360 of foreign spend a month, Citi Ultima charges 2.99%, which comes to AED 2,282 a year. ENBD Voyager World Elite charges 3.14%, which comes to AED 2,396 a year. That leaves Citi Ultima ahead over the year, AED 7,152 against a loss of AED 550.

On AED 9,000 a month of travel and flights, ENBD Voyager World Elite earns AED 540 against AED 306. Citi Ultima still shows the higher annual total, AED 11,043 against AED 9,694, because it earns more across the rest of the month.