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Emirates Islamic

ENBD Voyager World and Emirates Islamic Skywards Signature both compete for everyday UAE spend. The figures below come from each card's live reward rules at AED 8,000 a month, net of annual fees.
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 735 | AED 735 | 2.54% | AED 12,000 | Up to 1.5 Skywards Miles per USD spent. |
| 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 735 | AED 735 | 2.54% | AED 12,000 | Up to 1.5 Skywards Miles per USD spent. |

ENBD Voyager World Credit Card

Emirates Islamic Skywards Signature Credit Card
Four answers compare ENBD Voyager World and Emirates Islamic Skywards Signature on general everyday spend; travel and flights; spending abroad; 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.
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 735 for Emirates Islamic Skywards Signature. Both need a salary of AED 12,000 a month.
ENBD Voyager World returns more across the whole profile — AED 476 a year against AED 227, after each card's annual fee.
Modelled monthly spend
Annual return
On AED 5,000 a month of travel and flights, ENBD Voyager World earns AED 150 against AED 45. It keeps more over the year too, AED 4,821 against AED 2,975, after each card's annual fee.
Modelled monthly spend
Annual return
On AED 3,990 of foreign spend a month, ENBD Voyager World charges 3.14%, which comes to AED 1,503 a year. Emirates Islamic Skywards Signature charges 2.54%, which comes to AED 1,216 a year. The charge is not what decides it: ENBD Voyager World earns more on that spend and keeps AED 798 a year against AED 642.
Modelled monthly spend
Annual return
On AED 1,300 a month of fuel and commuting, Emirates Islamic Skywards Signature earns AED 12 against AED 1. ENBD Voyager World still shows the higher annual total, AED 486 against AED 308, because the two annual fees are not equal. On these two cards the calculator groups Grocery, Fast Food +9 more in with other spend, so those lines are left as they are.
Modelled monthly spend
Annual return
Adjust your monthly spending to see how cashback changes across cards.

Emirates NBD
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
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On an ordinary AED 13,300 month ENBD Voyager World comes out ahead by AED 249 a year, AED 476 against AED 227 for Emirates Islamic Skywards Signature. 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.
ENBD Voyager World answers all four of the questions above: general everyday spend; travel and flights; spending abroad; fuel and commuting. The order does not change with your mix, only the size of the gap.
The fee asymmetry matters. ENBD Voyager World carries none, while Emirates Islamic Skywards Signature has to return AED 735 a year before it breaks even, roughly AED 61 of rewards a month just to draw level. Every figure above is already net of that.
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ENBD Voyager World Credit Card

Emirates Islamic Skywards Signature Credit Card
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Common questions about choosing between ENBD Voyager World Credit Card and Emirates Islamic Skywards Signature Credit Card.