Card face-off
ENBD Voyager World vs FAB Rewards Indulge: which is better in the UAE? (2026)
First Abu Dhabi Bank (FAB)
FAB Rewards Indulge Card
ENBD Voyager World and FAB Rewards Indulge 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 FAB Rewards Indulge 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. |
| Free | Free | 3.89% | AED 5,000 | 5 FAB Rewards on online spends. |
| 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. |
| Free | Free | 3.89% | AED 5,000 | 5 FAB Rewards on online spends. |
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.
FAB Rewards Indulge Card
Annual feeFree
Joining feeFree
Foreign transaction fee3.89%
Min. salaryAED 5,000
Highlight5 FAB Rewards on online spends.
Which card is better for what
Four answers compare ENBD Voyager World and FAB Rewards Indulge on general everyday spend; online shopping; travel and flights; spending abroad. 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.
Neither card charges an annual fee. ENBD Voyager World needs a salary of AED 12,000 a month and FAB Rewards Indulge AED 5,000.
Best for general everyday spend: ENBD Voyager World
ENBD Voyager World returns more across the whole profile — AED 473 a year against AED 365, after each card's annual fee.
Modelled monthly spend
Grocery, Insurance +9 moreAED 6,300
Everything elseAED 7,000
TotalAED 13,300
Annual return
ENBD Voyager World Credit Card0.3% of the profile, after everything+ AED 473
FAB Rewards Indulge Card0.23% of the profile, after everything+ AED 365
Best for online shopping: FAB Rewards Indulge
On AED 3,400 a month of online shopping, FAB Rewards Indulge earns AED 51 against AED 17. It keeps more over the year too, AED 1,015 against AED 743, after each card's annual fee.
Modelled monthly spend
OnlineAED 3,400
Grocery, Insurance +9 moreAED 6,300
Everything elseAED 8,100
TotalAED 17,800
Annual return
ENBD Voyager World Credit Card0.35% of the profile, after everything+ AED 743
FAB Rewards Indulge Card0.48% of the profile, after everything+ AED 1,015
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 15. It keeps more over the year too, AED 4,818 against AED 1,280, after each card's annual fee.
Modelled monthly spend
Flights, Hotels, TravelAED 5,000
Grocery, Insurance +9 moreAED 6,300
Everything elseAED 7,000
TotalAED 18,300
Annual return
ENBD Voyager World Credit Card
Rewards+ AED 2,273
Benefits usedAirport lounge × 12, Airport transfers × 2, Global eSIM × 1+ AED 2,545
Total2.19% of the profile, after everything+ AED 4,818
FAB Rewards Indulge Card
Rewards+ AED 544
Benefits usedAirport lounge × 4+ AED 736
Total0.58% of the profile, after everything+ AED 1,280
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. FAB Rewards Indulge charges 3.89%, which comes to AED 1,863 a year. That leaves ENBD Voyager World ahead over the year, AED 797 against a loss of AED 757.
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 491
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 797
FAB Rewards Indulge Card
Rewards+ AED 370
Benefits usedAirport lounge × 4+ AED 736
Foreign transaction fee3.89% on spend abroad– AED 1,863
Totalthe fee is more than it earns on this profile– AED 757
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
0.3%
AED 0
0.3% · AED 0
Online
0.5%
AED 0
0.5% · AED 0
Online
1.5%
AED 0
1.5% · AED 0
Flights, Hotels, Travel
3%
AED 0
3% · AED 0
Flights, Hotels, Travel
0.3%
AED 0
0.3% · AED 0
Car Rental
3%
AED 0
3% · AED 0
Car Rental
0.15%
AED 0
0.15% · AED 0
Car Dealers
0.13%
AED 0
0.13% · AED 0
Car Dealers
0.3%
AED 0
0.3% · AED 0
Equipment Rental, Florists +2 more
0.5%
AED 0
0.5% · AED 0
Equipment Rental, Florists +2 more
0.15%
AED 0
0.15% · AED 0
Grocery, Insurance +9 more
0.13%
AED 0
0.13% · AED 0
Grocery, Insurance +9 more
0.15%
AED 0
0.15% · AED 0
Other Spends
0.5%
AED 0
0.5% · AED 0
Other Spends
0.3%
AED 0
0.3% · AED 0
Airport Lounge Access
—
Airport Lounge Access
AED 736
Golf
—
Golf
—
Movie Tickets
—
Movie Tickets
—
Airport Transfers
—
Airport Transfers
—
Valet Parking
AED 1,200
Valet Parking
—
Global eSIM
AED 37
Global eSIM
—
Annual Fee
Free
Annual Fee
Free
Total
+ AED 1,237
Total
+ AED 736
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 108 a year, AED 473 against AED 365 for FAB Rewards Indulge. 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 three: general everyday spend; travel and flights; spending abroad. FAB Rewards Indulge answers one: online shopping. Which of those months looks most like yours is what decides it, so the calculator above is worth a minute with your own figures.
Neither card charges an annual fee on these profiles, so every figure above is kept in full and there is no break-even to clear on either side.
Eligibility separates them too: FAB Rewards Indulge opens at AED 5,000 a month against AED 12,000 for ENBD Voyager World. If you sit between the two thresholds the comparison is settled for you regardless of which earns more.
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ENBD Voyager World Credit Card
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ENBD Voyager World Credit Card vs FAB Rewards Indulge Card: FAQ
Common questions about choosing between ENBD Voyager World Credit Card and FAB Rewards Indulge Card.