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 | 2.61% | 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 | 2.61% | 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 fee2.61%
Min. salaryAED 5,000
Highlight5 FAB Rewards on online spends.
Which card is better for what
Five answers compare ENBD Voyager World and FAB Rewards Indulge on general everyday spend; online shopping; 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 3,350 of that total sits at Voyager Travel Portal, which is where the co-brand rates apply. 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: FAB Rewards Indulge
FAB Rewards Indulge returns more across the whole profile — AED 440 a year against AED 363, after each card's annual fee.
Modelled monthly spend
Grocery, Insurance +2 moreAED 6,300
Fuel, Government +4 moreAED 2,100
Transportation, CharityAED 700
Everything elseAED 4,200
TotalAED 13,300
Annual return
ENBD Voyager World Credit Card0.23% of the profile, after everything+ AED 363
FAB Rewards Indulge Card0.28% of the profile, after everything+ AED 440
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 1,090 against AED 633, after each card's annual fee.
Modelled monthly spend
OnlineAED 3,400
Grocery, Insurance +2 moreAED 6,300
Fuel, Government +4 moreAED 2,100
Transportation, CharityAED 700
Everything elseAED 5,300
TotalAED 17,800
Annual return
ENBD Voyager World Credit Card0.3% of the profile, after everything+ AED 633
FAB Rewards Indulge Card0.51% of the profile, after everything+ AED 1,090
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 4,909 against AED 1,356, after each card's annual fee.
Modelled monthly spend
Flights, Hotels, TravelAED 5,000
Grocery, Insurance +2 moreAED 6,300
Fuel, Government +4 moreAED 2,100
Transportation, CharityAED 700
Everything elseAED 4,200
TotalAED 18,300
Annual return
ENBD Voyager World Credit Card
Rewards+ AED 2,163
Benefits usedAirport lounge × 8, Airport transfers × 6, Global eSIM × 1, Visa services × 1+ AED 2,746
Total2.24% of the profile, after everything+ AED 4,909
FAB Rewards Indulge Card
Rewards+ AED 620
Benefits usedAirport lounge × 4+ AED 736
Total0.62% of the profile, after everything+ AED 1,356
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 2.61%, which comes to AED 1,252 a year. The charge is not what decides it: ENBD Voyager World earns more on that spend and keeps AED 977 a year against a loss of AED 71.
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 371
Benefits usedAirport lounge × 8, Airport transfers × 4, Global eSIM × 1+ AED 2,109
Foreign transaction fee3.14% on spend abroad– AED 1,503
Total0.61% of the profile, after everything+ AED 977
FAB Rewards Indulge Card
Rewards+ AED 445
Benefits usedAirport lounge × 4+ AED 736
Foreign transaction fee2.61% on spend abroad– AED 1,252
Totalthe fee is more than it earns on this profile– AED 71
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 2,679 against AED 449. 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, Insurance +2 moreAED 4,750
Fuel, Government +4 moreAED 1,600
Transportation, CharityAED 550
Everything elseAED 3,050
TotalAED 13,300
Annual return
ENBD Voyager World Credit Card1.68% of the profile, after everything+ AED 2,679
FAB Rewards Indulge Card0.28% of the profile, after everything+ AED 449
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
Grocery, Insurance +2 more
0.13%
AED 0
0.13% · AED 0
Grocery, Insurance +2 more
0.3%
AED 0
0.3% · AED 0
Transportation, Charity
0.05%
AED 0
0.05% · AED 0
Transportation, Charity
0.3%
AED 0
0.3% · AED 0
Fuel, Government +4 more
0.05%
AED 0
0.05% · AED 0
Fuel, Government +4 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
AED 480
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
Free
Total
+ AED 1,574
Total
+ AED 1,216
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
Compare any UAE cards
Try the full rewards calculator
Add more cards, adjust every spending category, and see exactly how much cashback and rewards each UAE credit card earns on your real monthly spend.
The verdict
On an ordinary AED 13,300 month FAB Rewards Indulge comes out ahead by AED 77 a year, AED 440 against AED 363 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 three: travel and flights; spending abroad; spend at these cards' own merchants. FAB Rewards Indulge answers two: general everyday spend and 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.
Ready to choose?
Apply online in minutes — no branch visit needed.
ENBD Voyager World Credit Card
Not sure which card to pick?
Try the UAE Credit Card Picker
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.
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.