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SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

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.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

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

Emirates NBD

ENBD Voyager World Credit Card

ENBD Voyager World Credit Card

See full details

Emirates NBD

ENBD Voyager World Elite Credit Card

ENBD Voyager World Elite Credit Card

See full details

Both cards earn the same Voyager Miles currency, redeemable at a fixed AED 0.01 per Mile through the ENBD Voyager Travel Portal. The difference is earn rate, annual fee, minimum salary, and a handful of airport perks exclusive to World Elite.

ENBD Voyager World Credit Card vs ENBD Voyager World Elite 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 12,000Free for life with a AED 12,000/month salary minimum and 6 Miles/AED on the Voyager Travel Portal.
ENBD Voyager World Elite Credit Card
ENBD Voyager World Elite Credit Card
AED 1,575Free3.14%AED 25,000Double the Miles earn rate on the portal, plus exclusive Airport Meet & Greet and Fast Track — for a AED 1,575 annual fee from year two.
CardAnnual feeJoining feeForeign transaction feeMin. salaryWhy it stands out
ENBD Voyager World Credit Card
ENBD Voyager World Credit Card
FreeFree3.14%AED 12,000Free for life with a AED 12,000/month salary minimum and 6 Miles/AED on the Voyager Travel Portal.
ENBD Voyager World Elite Credit Card
ENBD Voyager World Elite Credit Card
AED 1,575Free3.14%AED 25,000Double the Miles earn rate on the portal, plus exclusive Airport Meet & Greet and Fast Track — for a AED 1,575 annual fee from year two.
ENBD Voyager World Credit Card

ENBD Voyager World Credit Card

Annual feeFree
Joining feeFree
Foreign transaction fee3.14%
Min. salaryAED 12,000
HighlightFree for life with a AED 12,000/month salary minimum and 6 Miles/AED on the Voyager Travel Portal.
ENBD Voyager World Elite Credit Card

ENBD Voyager World Elite Credit Card

Annual feeAED 1,575
Joining feeFree
Foreign transaction fee3.14%
Min. salaryAED 25,000
HighlightDouble the Miles earn rate on the portal, plus exclusive Airport Meet & Greet and Fast Track — for a AED 1,575 annual fee from year two.

Which card is better for what

Four answers compare ENBD Voyager World and ENBD Voyager World Elite on general everyday spend; travel and flights; spending abroad; 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 5,300 of that total sits at Voyager Travel Portal, which is where the co-brand rates apply. Spending abroad prices AED 6,360 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 21,200 to AED 30,200 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 1,575 for ENBD Voyager World Elite. ENBD Voyager World needs a salary of AED 12,000 a month and ENBD Voyager World Elite AED 25,000.

Best for general everyday spend: ENBD Voyager World

ENBD Voyager World returns more across the whole profile — AED 629 a year against a loss of AED 318, after each card's annual fee.

Modelled monthly spend

Grocery, Insurance +2 moreAED 9,500
Fuel, Transportation +6 moreAED 4,000
Everything elseAED 7,700
TotalAED 21,200

Annual return

ENBD Voyager World Credit Card0.25% of the profile, after everything+ AED 629
ENBD Voyager World Elite Credit Card
Rewards+ AED 1,257
Annual fee– AED 1,575
Totalthe fee is more than it earns on this profile– AED 318
See ENBD Voyager World Credit Card in full

Best for travel and flights: ENBD Voyager World Elite

On AED 9,000 a month of travel and flights, ENBD Voyager World Elite earns AED 540 against AED 270. It keeps more over the year too, AED 9,694 against AED 6,615, after each card's annual fee.

Modelled monthly spend

Flights, Hotels, TravelAED 9,000
Grocery, Insurance +2 moreAED 9,500
Fuel, Transportation +6 moreAED 4,000
Everything elseAED 7,700
TotalAED 30,200

Annual return

ENBD Voyager World Credit Card
Rewards+ AED 3,869
Benefits usedAirport lounge × 8, Airport transfers × 6, Global eSIM × 1, Visa services × 1+ AED 2,746
Total1.83% of the profile, after everything+ AED 6,615
ENBD Voyager World Elite Credit Card
Rewards+ AED 7,737
Benefits usedAirport lounge × 12, Airport transfers × 4, Global eSIM × 2, Visa services × 1+ AED 3,532
Annual fee– AED 1,575
Total2.67% of the profile, after everything+ AED 9,694
See ENBD Voyager World Elite Credit Card in full

Best for spending abroad: ENBD Voyager World

Both cost the same to spend abroad. On AED 6,360 of foreign spend a month, each charges 3.14%, or AED 2,396 a year. So this comes down to what they earn on it: ENBD Voyager World keeps AED 353 a year against a loss of AED 545.

Modelled monthly spend

Spent abroad, in another currencyAED 6,360
Spent in the UAEAED 14,840
TotalAED 21,200

Annual return

ENBD Voyager World Credit Card
Rewards+ AED 640
Benefits usedAirport lounge × 8, Airport transfers × 4, Global eSIM × 1+ AED 2,109
Foreign transaction fee3.14% on spend abroad– AED 2,396
Total0.14% of the profile, after everything+ AED 353
ENBD Voyager World Elite Credit Card
Rewards+ AED 1,280
Benefits usedAirport lounge × 8, Airport transfers × 4, Global eSIM × 2+ AED 2,146
Annual fee– AED 1,575
Foreign transaction fee3.14% on spend abroad– AED 2,396
Totalthe fee is more than it earns on this profile– AED 545
See ENBD Voyager World Credit Card in full

Best inside Voyager Travel Portal: ENBD Voyager World Elite

With AED 5,300 a month going through Voyager Travel Portal, ENBD Voyager World Elite ends the year on AED 6,998 against AED 4,286. 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.

Modelled monthly spend

Voyager Travel PortalAED 5,300
Grocery, Insurance +2 moreAED 7,150
Fuel, Transportation +6 moreAED 3,000
Everything elseAED 5,750
TotalAED 21,200

Annual return

ENBD Voyager World Credit Card1.68% of the profile, after everything+ AED 4,286
ENBD Voyager World Elite Credit Card
Rewards+ AED 8,573
Annual fee– AED 1,575
Total2.75% of the profile, after everything+ AED 6,998
See ENBD Voyager World Elite 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

Voyager Miles
ENBD Voyager World Elite Credit Card

Emirates NBD

ENBD Voyager World Elite Credit Card

Voyager Miles
Voyager Travel Portal
6%
AED 0
6% · AED 0
Voyager Travel Portal
12%
AED 0
12% · AED 0
Flights, Hotels, Travel
3%
AED 0
3% · AED 0
Flights, Hotels, Travel
6%
AED 0
6% · AED 0
Grocery, Insurance +2 more
0.13%
AED 0
0.13% · AED 0
Grocery, Insurance +2 more
0.25%
AED 0
0.25% · AED 0
Fuel, Transportation +6 more
0.05%
AED 0
0.05% · AED 0
Fuel, Transportation +6 more
0.1%
AED 0
0.1% · AED 0
Other Spends
0.5%
AED 0
0.5% · AED 0
Other Spends
1%
AED 0
1% · AED 0
Airport Lounge Access
—
Airport Lounge Access
—
Golf
—
Golf
—
Cinema Offers
—
Cinema Offers
—
Airport Transfers
—
Airport Transfers
—
Valet Parking
AED 1,200
Valet Parking
AED 1,200
Global eSIM
AED 37
Global eSIM
AED 74
OneVasco Visa Services
AED 337
OneVasco Visa Services
AED 650
Annual Fee
Free
Annual Fee
– AED 1,575
Total
+ AED 1,574
Total
+ AED 349

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 21,200 month ENBD Voyager World comes out ahead by AED 947 a year, AED 629 against a loss of AED 318 for ENBD Voyager World Elite. 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: general everyday spend and spending abroad. ENBD Voyager World Elite answers two: travel and flights; 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 ENBD Voyager World Elite has to return AED 1,575 a year before it breaks even, roughly AED 131 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 25,000 for ENBD Voyager World Elite. 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

ENBD Voyager World Credit Card

ENBD Voyager World Elite Credit Card

ENBD Voyager World Elite Credit Card

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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.

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ENBD Voyager World Credit Card vs ENBD Voyager World Elite Credit Card: FAQ

Common questions about choosing between ENBD Voyager World Credit Card and ENBD Voyager World Elite Credit Card.

Only if the exclusive perks get used — Airport Meet & Greet and Fast Track are worth more than the fee on their own if used a few times a year. On earn rate alone, it takes a large amount of extra portal spend to offset the fee.

AED 12,000/month for Voyager World, AED 25,000/month for Voyager World Elite.

Yes — both earn Voyager Miles, redeemable at the same fixed AED 0.01 per Mile through the ENBD Voyager Travel Portal. World Elite just earns them faster.

Voyager World Elite: 150,000 Miles after AED 70,000 spend (worth about AED 1,500), versus Voyager World's 75,000 Miles after AED 35,000 spend (worth about AED 750).

Both use Mastercard Travel Pass, but not on the same terms. World Elite gives 14 visits a year including one guest; Voyager World gives 8 visits a year for the cardholder only. Neither is unlimited, and the guest allowance is one of the things the Elite fee buys.

On AED 9,000 a month of travel and flights, ENBD Voyager World Elite earns AED 540 against AED 270. It keeps more over the year too, AED 9,694 against AED 6,615, after each card's annual fee.

With AED 5,300 a month going through Voyager Travel Portal, ENBD Voyager World Elite ends the year on AED 6,998 against AED 4,286. 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.

Both cost the same to spend abroad. On AED 6,360 of foreign spend a month, each charges 3.14%, or AED 2,396 a year. So this comes down to what they earn on it: ENBD Voyager World keeps AED 353 a year against a loss of AED 545.