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All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

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ENBD Voyager World vs Emirates Islamic Skywards Signature: which is better in the UAE? (2026)

Emirates NBD

ENBD Voyager World Credit Card

ENBD Voyager World Credit Card

See full details

Emirates Islamic

Emirates Islamic Skywards Signature Credit Card

Emirates Islamic Skywards Signature Credit Card

ApplyApply for Emirates Islamic Skywards Signature Credit Card credit cardSee full details

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.

ENBD Voyager World Credit Card vs Emirates Islamic Skywards Signature Credit Card compared

A side-by-side snapshot of annual fees, salary requirements, and standout benefits.

CardAnnual feeJoining feeForeign transaction feeMin. salaryWhy it stands out
ENBD Voyager World Credit Card
ENBD Voyager World Credit Card
FreeFree3.14%AED 12,0006 Voyager Miles on every AED spent on Voyager Travel Portal.
Emirates Islamic Skywards Signature Credit Card
Emirates Islamic Skywards Signature Credit Card
AED 735AED 7352.54%AED 12,000Up to 1.5 Skywards Miles per USD spent.
CardAnnual feeJoining feeForeign transaction feeMin. salaryWhy it stands out
ENBD Voyager World Credit Card
ENBD Voyager World Credit Card
FreeFree3.14%AED 12,0006 Voyager Miles on every AED spent on Voyager Travel Portal.
Emirates Islamic Skywards Signature Credit Card
Emirates Islamic Skywards Signature Credit Card
AED 735AED 7352.54%AED 12,000Up to 1.5 Skywards Miles per USD spent.
ENBD Voyager World Credit Card

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.
Emirates Islamic Skywards Signature Credit Card

Emirates Islamic Skywards Signature Credit Card

Annual feeAED 735
Joining feeAED 735
Foreign transaction fee2.54%
Min. salaryAED 12,000
HighlightUp to 1.5 Skywards Miles per USD spent.

Which card is better for what

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.

Best for general everyday spend: ENBD Voyager World

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

Grocery, Fast Food +9 moreAED 5,600
TransportationAED 700
Everything elseAED 7,000
TotalAED 13,300

Annual return

ENBD Voyager World Credit Card0.3% of the profile, after everything+ AED 476
Emirates Islamic Skywards Signature Credit Card
Rewards+ AED 962
Annual fee– AED 735
Total0.14% of the profile, after everything+ AED 227
See ENBD Voyager World Credit Card in full

Best for travel and flights: ENBD Voyager World

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

Flights, Hotels, TravelAED 5,000
Grocery, Fast Food +9 moreAED 5,600
TransportationAED 700
Everything elseAED 7,000
TotalAED 18,300

Annual return

ENBD Voyager World Credit Card
Rewards+ AED 2,276
Benefits usedAirport lounge × 12, Airport transfers × 2, Global eSIM × 1+ AED 2,545
Total2.2% of the profile, after everything+ AED 4,821
Emirates Islamic Skywards Signature Credit Card
Rewards+ AED 1,502
Benefits usedAirport lounge × 12+ AED 2,208
Annual fee– AED 735
Total1.35% of the profile, after everything+ AED 2,975
See ENBD Voyager World Credit Card in full

Best for spending abroad: ENBD Voyager World

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

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 492
Benefits usedAirport lounge × 8, Airport transfers × 2, Global eSIM × 1+ AED 1,809
Foreign transaction fee3.14% on spend abroad– AED 1,503
Total0.5% of the profile, after everything+ AED 798
Emirates Islamic Skywards Signature Credit Card
Rewards+ AED 1,121
Benefits usedAirport lounge × 8+ AED 1,472
Annual fee– AED 735
Foreign transaction fee2.54% on spend abroad– AED 1,216
Total0.4% of the profile, after everything+ AED 642
See ENBD Voyager World Credit Card in full

Best for fuel and commuting: ENBD Voyager World

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

TransportationAED 1,300
Grocery, Fast Food +9 moreAED 6,300
Everything elseAED 7,000
TotalAED 14,600

Annual return

ENBD Voyager World Credit Card0.28% of the profile, after everything+ AED 486
Emirates Islamic Skywards Signature Credit Card
Rewards+ AED 1,043
Annual fee– AED 735
Total0.18% of the profile, after everything+ AED 308
See ENBD Voyager World Credit Card in full

Which card earns more on your spend?

Adjust your monthly spending to see how cashback changes across cards.

ENBD Voyager World Credit Card

Emirates NBD

ENBD Voyager World Credit Card
Emirates Islamic Skywards Signature Credit Card

Emirates Islamic

Emirates Islamic Skywards Signature Credit Card
ENBD Voyager World Credit Card

Emirates NBD

ENBD Voyager World Credit Card

Voyager Miles
Emirates Islamic Skywards Signature Credit Card

Emirates Islamic

Emirates Islamic Skywards Signature Credit Card

Skywards Miles
Voyager Travel Portal
6%
AED 0
6% · AED 0
Voyager Travel Portal
0.9%
AED 0
0.9% · AED 0
Emirates, flydubai
3%
AED 0
3% · AED 0
Emirates, flydubai
1.8%
AED 0
1.8% · 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
1.32%
AED 0
1.32% · AED 0
Automotive
0.5%
AED 0
0.5% · AED 0
Automotive
0.13%
AED 0
0.13% · AED 0
Transportation
0.05%
AED 0
0.05% · AED 0
Transportation
0.9%
AED 0
0.9% · AED 0
Grocery, Fast Food +9 more
0.13%
AED 0
0.13% · AED 0
Grocery, Fast Food +9 more
0.45%
AED 0
0.45% · 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 2,760
Golf
—
Golf
—
Cinema Offers
—
Cinema Offers
AED 528
Airport Transfers
—
Airport Transfers
—
Valet Parking
AED 1,200
Valet Parking
—
Global eSIM
AED 37
Global eSIM
—
Annual Fee
Free
Annual Fee
– AED 735
Total
+ AED 1,237
Total
+ AED 2,553

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 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.

Ready to choose?

Apply online in minutes — no branch visit needed.

ENBD Voyager World Credit Card

ENBD Voyager World Credit Card

Emirates Islamic Skywards Signature Credit Card

Emirates Islamic Skywards Signature Credit Card

ApplyApply for Emirates Islamic Skywards Signature Credit Card credit card

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ENBD Voyager World Credit Card vs Emirates Islamic Skywards Signature Credit Card: FAQ

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

ENBD Voyager World takes every one of the four questions in the comparison above, so the order does not change with your mix — only the size of the gap. ENBD Voyager World returns more across the whole profile — AED 476 a year against AED 227, after each card's annual fee.

ENBD Voyager World is free for life. Emirates Islamic Skywards Signature is AED 735 a year. The spec table above shows the live figures.

ENBD Voyager World starts at AED 12,000 a month and Emirates Islamic Skywards Signature at AED 12,000. 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.

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.

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.

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.