Card face-off
ENBD Voyager World vs RAKBANK Elevate: which is better in the UAE? (2026)
RAKBANK
RAKBANK Elevate Credit Card
ENBD Voyager World and RAKBANK Elevate both compete for everyday UAE spend. The figures below come from each card's live reward rules at AED 21,000 a month, net of annual fees.
ENBD Voyager World Credit Card vs RAKBANK Elevate 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 617.40 (waivable) | Free | 3.72% | AED 35,000 | Up to 4 RAKrewards per AED 1 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 617.40 (waivable) | Free | 3.72% | AED 35,000 | Up to 4 RAKrewards per AED 1 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.
RAKBANK Elevate Credit Card
Annual feeAED 617.40 (waivable)
Joining feeFree
Foreign transaction fee3.72%
Min. salaryAED 35,000
HighlightUp to 4 RAKrewards per AED 1 spent.
Which card is better for what
Five answers compare ENBD Voyager World and RAKBANK Elevate on general everyday spend; dining and food delivery; 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 none for RAKBANK Elevate, whose AED 617 fee its own spend waiver covers at these totals. ENBD Voyager World needs a salary of AED 12,000 a month and RAKBANK Elevate AED 35,000.
Best for general everyday spend: RAKBANK Elevate
RAKBANK Elevate returns more across the whole profile — AED 2,851 a year against AED 629, after each card's annual fee.
Modelled monthly spend
DiningAED 5,000
Grocery, InsuranceAED 4,500
Fuel, Transportation +5 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
RAKBANK Elevate Credit Card1.12% of the profile, after everything+ AED 2,851
Best for dining and food delivery: RAKBANK Elevate
On AED 9,000 a month of dining and food delivery, RAKBANK Elevate earns AED 144 against AED 11. It keeps more over the year too, AED 3,619 against AED 688, after each card's annual fee.
Modelled monthly spend
DiningAED 9,000
Grocery, InsuranceAED 4,500
Fuel, Transportation +5 moreAED 4,000
Everything elseAED 7,700
TotalAED 25,200
Annual return
ENBD Voyager World Credit Card0.23% of the profile, after everything+ AED 688
RAKBANK Elevate Credit Card1.2% of the profile, after everything+ AED 3,619
Best for travel and flights: RAKBANK Elevate
On AED 9,000 a month of travel and flights, ENBD Voyager World earns AED 270 against AED 144. RAKBANK Elevate still shows the higher annual total, AED 7,147 against AED 6,614, because it earns more across the rest of the month.
Modelled monthly spend
Flights, Hotels, TravelAED 9,000
DiningAED 5,000
Grocery, InsuranceAED 4,500
Fuel, Transportation +5 moreAED 4,000
Everything elseAED 7,700
TotalAED 30,200
Annual return
ENBD Voyager World Credit Card
Rewards+ AED 3,868
Benefits usedAirport lounge × 8, Airport transfers × 6, Global eSIM × 1, Visa services × 1+ AED 2,746
Total1.83% of the profile, after everything+ AED 6,614
RAKBANK Elevate Credit Card
Rewards+ AED 4,579
Benefits usedAirport lounge × 12, Airport transfers × 6+ AED 2,568
Total1.97% of the profile, after everything+ AED 7,147
Best for spending abroad: RAKBANK Elevate
On AED 6,360 of foreign spend a month, RAKBANK Elevate charges 3.72%, which comes to AED 2,839 a year. ENBD Voyager World charges 3.14%, which comes to AED 2,396 a year. The charge is not what decides it: RAKBANK Elevate earns more on that spend and keeps AED 1,759 a year against AED 350.
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 637
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 350
RAKBANK Elevate Credit Card
Rewards+ AED 2,886
Benefits usedAirport lounge × 8, Airport transfers × 4+ AED 1,712
Foreign transaction fee3.72% on spend abroad– AED 2,839
Total0.69% of the profile, after everything+ AED 1,759
Best inside Voyager Travel Portal: ENBD Voyager World
With AED 5,300 a month going through Voyager Travel Portal, ENBD Voyager World ends the year on AED 4,286 against AED 3,153. 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
DiningAED 3,750
Grocery, InsuranceAED 3,400
Fuel, Transportation +5 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
RAKBANK Elevate Credit Card1.24% of the profile, after everything+ AED 3,153
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
RAKBANK
RAKBANK Elevate Credit Card
RAKBANK Rewards
Voyager Travel Portal
6%
AED 0
6% · AED 0
Voyager Travel Portal
1.6%
AED 0
1.6% · AED 0
Dining
0.13%
AED 0
0.13% · AED 0
Dining
1.6%
AED 0
1.6% · AED 0
Education
0.05%
AED 0
0.05% · AED 0
Education
1.6%
AED 0
1.6% · AED 0
Flights, Hotels, Travel
3%
AED 0
3% · AED 0
Flights, Hotels, Travel
1.6%
AED 0
1.6% · AED 0
Grocery, Insurance
0.13%
AED 0
0.13% · AED 0
Grocery, Insurance
0.48%
AED 0
0.48% · AED 0
Automotive
0.13%
AED 0
0.13% · AED 0
Automotive
0.32%
AED 0
0.32% · AED 0
Fuel, Transportation +5 more
0.05%
AED 0
0.05% · AED 0
Fuel, Transportation +5 more
0.32%
AED 0
0.32% · AED 0
Other Spends
0.5%
AED 0
0.5% · AED 0
Other Spends
1.6%
AED 0
1.6% · AED 0
Airport Lounge Access
—
Airport Lounge Access
AED 2,760
Golf
—
Golf
—
VOX Cinemas 50% Off
—
VOX Cinemas 50% Off
AED 528
Video Streaming Credit
—
Video Streaming Credit
AED 600
Airport Transfers
—
Airport Transfers
AED 240
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 51.45
Total
+ AED 1,574
Total
+ AED 4,077
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 21,200 month RAKBANK Elevate comes out ahead by AED 2,222 a year, AED 2,851 against AED 629 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. RAKBANK Elevate answers four: general everyday spend; dining and food delivery; travel and flights; spending abroad. ENBD Voyager World answers one: 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.
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: ENBD Voyager World opens at AED 12,000 a month against AED 35,000 for RAKBANK Elevate. 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 RAKBANK Elevate Credit Card: FAQ
Common questions about choosing between ENBD Voyager World Credit Card and RAKBANK Elevate Credit Card.