Card face-off
ENBD Voyager World vs Emirates Islamic Skywards Signature: which is better in the UAE? (2026)
Emirates Islamic
Emirates Islamic Skywards Signature Credit Card
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.
| 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
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
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
Three answers compare ENBD Voyager World and Emirates Islamic Skywards Signature on general everyday spend; travel and flights; 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 3,350 of that total sits at Voyager Travel Portal, which is where the co-brand rates apply. One answer prices air travel (travel and flights) and counts 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: Emirates Islamic Skywards Signature
Emirates Islamic Skywards Signature returns more across the whole profile — AED 360 a year against AED 340, after each card's annual fee.
Modelled monthly spend
Grocery, Fuel +3 moreAED 4,400
Insurance, Automotive, DiningAED 2,800
Transportation, Utilities +2 moreAED 1,900
Everything elseAED 4,200
TotalAED 13,300
Annual return
ENBD Voyager World Credit Card0.21% of the profile, after everything+ AED 340
Emirates Islamic Skywards Signature Credit Card
Rewards+ AED 1,095
Annual fee– AED 735
Total0.23% of the profile, after everything+ AED 360
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 70. It keeps more over the year too, AED 4,886 against AED 3,409, after each card's annual fee.
Modelled monthly spend
FlightsAED 2,800
Hotels, TravelAED 2,200
Grocery, Fuel +3 moreAED 4,400
Insurance, Automotive, DiningAED 2,800
Everything elseAED 6,100
TotalAED 18,300
Annual return
ENBD Voyager World Credit Card
Rewards+ AED 2,140
Benefits usedAirport lounge × 8, Airport transfers × 6, Global eSIM × 1, Visa services × 1+ AED 2,746
Total2.22% of the profile, after everything+ AED 4,886
Emirates Islamic Skywards Signature Credit Card
Rewards+ AED 1,936
Benefits usedAirport lounge × 12+ AED 2,208
Annual fee– AED 735
Total1.55% of the profile, after everything+ AED 3,409
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 2,664 against AED 445. 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, Fuel +3 moreAED 3,300
Insurance, Automotive, DiningAED 2,100
Transportation, Utilities +2 moreAED 1,450
Everything elseAED 3,100
TotalAED 13,300
Annual return
ENBD Voyager World Credit Card1.67% of the profile, after everything+ AED 2,664
Emirates Islamic Skywards Signature Credit Card
Rewards+ AED 1,180
Annual fee– AED 735
Total0.28% of the profile, after everything+ AED 445
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
Voyager Travel Portal
6%
AED 0
6% · AED 0
Voyager Travel Portal
0.9%
AED 0
0.9% · AED 0
Flights
3%
AED 0
3% · AED 0
Flights
1.8%
AED 0
1.8% · AED 0
Hotels, Travel
3%
AED 0
3% · AED 0
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
Insurance, Automotive, Dining
0.13%
AED 0
0.13% · AED 0
Insurance, Automotive, Dining
0.9%
AED 0
0.9% · AED 0
Transportation, Utilities +2 more
0.05%
AED 0
0.05% · AED 0
Transportation, Utilities +2 more
0.9%
AED 0
0.9% · AED 0
Grocery, Fuel +3 more
0.13%
AED 0
0.13% · AED 0
Grocery, Fuel +3 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
—
OneVasco Visa Services
AED 337
OneVasco Visa Services
—
Annual Fee
Free
Annual Fee
– AED 735
Total
+ AED 1,574
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 Emirates Islamic Skywards Signature comes out ahead by AED 20 a year, AED 360 against AED 340 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. ENBD Voyager World answers two: travel and flights; spend at these cards' own merchants. Emirates Islamic Skywards Signature answers one: general everyday spend. 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 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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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.