Card face-off
ENBD Voyager World vs Rakbank World: which is better in the UAE? (2026)
Rakbank
Rakbank World Credit Card
ENBD Voyager World and Rakbank World both compete for everyday UAE spend. The figures below come from each card's live reward rules at AED 12,000 a month, net of annual fees.
ENBD Voyager World Credit Card vs Rakbank World 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 997.50 (waivable) | Free | 3.72% | AED 20,000 | Up to 10% Cashback on Travel & Hotel Spends. Reduced to 0.25% on Charity, Government, Bills, Education, Transportation, Telecom, Real Estate and Fuel. |
| 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 997.50 (waivable) | Free | 3.72% | AED 20,000 | Up to 10% Cashback on Travel & Hotel Spends. Reduced to 0.25% on Charity, Government, Bills, Education, Transportation, Telecom, Real Estate and Fuel. |
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 World Credit Card
Annual feeAED 997.50 (waivable)
Joining feeFree
Foreign transaction fee3.72%
Min. salaryAED 20,000
HighlightUp to 10% Cashback on Travel & Hotel Spends. Reduced to 0.25% on Charity, Government, Bills, Education, Transportation, Telecom, Real Estate and Fuel.
Which card is better for what
Six answers compare ENBD Voyager World and Rakbank World on general everyday spend; groceries; dining and food delivery; 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.
Annual totals are net of each card's annual fee: none for ENBD Voyager World and none for Rakbank World, whose AED 998 fee its own spend waiver covers at these totals. ENBD Voyager World needs a salary of AED 12,000 a month and Rakbank World AED 20,000.
Best for general everyday spend: Rakbank World
Rakbank World returns more across the whole profile — AED 7,656 a year against AED 489, after each card's annual fee.
Modelled monthly spend
GroceryAED 3,500
DiningAED 2,800
UtilitiesAED 1,200
FuelAED 900
Everything elseAED 4,900
TotalAED 13,300
Annual return
ENBD Voyager World Credit Card0.31% of the profile, after everything+ AED 489
Rakbank World Credit Card4.8% of the profile, after everything+ AED 7,656
Best for groceries: Rakbank World
On AED 6,500 a month of groceries, Rakbank World earns AED 300 against AED 8. It keeps more over the year too, AED 7,656 against AED 534, after each card's annual fee.
Modelled monthly spend
GroceryAED 6,500
DiningAED 2,800
UtilitiesAED 1,200
FuelAED 900
Everything elseAED 4,900
TotalAED 16,300
Annual return
ENBD Voyager World Credit Card0.27% of the profile, after everything+ AED 534
Rakbank World Credit Card3.91% of the profile, after everything+ AED 7,656
Best for dining and food delivery: Rakbank World
On AED 5,500 a month of dining and food delivery, Rakbank World earns AED 300 against AED 28. It keeps more over the year too, AED 7,896 against AED 651, after each card's annual fee.
Modelled monthly spend
DiningAED 5,500
GroceryAED 3,500
UtilitiesAED 1,200
FuelAED 900
Everything elseAED 4,900
TotalAED 16,000
Annual return
ENBD Voyager World Credit Card0.34% of the profile, after everything+ AED 651
Rakbank World Credit Card4.11% of the profile, after everything+ AED 7,896
Best for online shopping: Rakbank World
On AED 1,100 a month of online shopping, Rakbank World earns AED 33 against AED 5. It keeps more over the year too, AED 8,460 against AED 759, after each card's annual fee.
Modelled monthly spend
Digital WalletAED 1,100
GroceryAED 3,500
DiningAED 2,800
UtilitiesAED 1,200
Everything elseAED 9,200
TotalAED 17,800
Annual return
ENBD Voyager World Credit Card0.36% of the profile, after everything+ AED 759
Rakbank World Credit Card3.96% of the profile, after everything+ AED 8,460
Best for travel and flights: Rakbank World
On AED 5,000 a month of travel and flights, Rakbank World earns AED 500 against AED 150. It keeps more over the year too, AED 16,084 against AED 4,834, after each card's annual fee.
Modelled monthly spend
FlightsAED 2,800
HotelsAED 1,400
TravelAED 800
GroceryAED 3,500
Everything elseAED 9,800
TotalAED 18,300
Annual return
ENBD Voyager World Credit Card
Rewards+ AED 2,289
Benefits usedAirport lounge × 12, Airport transfers × 2, Global eSIM × 1+ AED 2,545
Total2.2% of the profile, after everything+ AED 4,834
Rakbank World Credit Card
Rewards+ AED 13,656
Benefits usedAirport lounge × 12, Airport transfers × 2+ AED 2,428
Total7.32% of the profile, after everything+ AED 16,084
Best for spending abroad: Rakbank World
On AED 3,990 of foreign spend a month, Rakbank World charges 3.72%, which comes to AED 1,781 a year. ENBD Voyager World charges 3.14%, which comes to AED 1,503 a year. The charge is not what decides it: Rakbank World earns more on that spend and keeps AED 8,167 a year against AED 795.
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 489
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 795
Rakbank World Credit Card
Rewards+ AED 8,256
Benefits usedAirport lounge × 8, Airport transfers × 2+ AED 1,692
Foreign transaction fee3.72% on spend abroad– AED 1,781
Total5.12% of the profile, after everything+ AED 8,167
Which card earns more on your spend?
Adjust your monthly spending to see how cashback changes across cards.
Voyager Travel Portal
6%
AED 0
6% · AED 0
Voyager Travel Portal
10%
AED 0
10% · AED 0
Flights
3%
AED 0
3% · AED 0
Flights
10%
AED 0
10% · AED 0
Hotels
3%
AED 0
3% · AED 0
Hotels
10%
AED 0
10% · AED 0
Travel
3%
AED 0
3% · AED 0
Travel
10%
AED 0
10% · AED 0
Dining
0.5%
AED 0
0.5% · AED 0
Dining
10%
AED 0
10% · AED 0
Grocery
0.13%
AED 0
0.13% · AED 0
Grocery
10%
AED 0
10% · AED 0
Fast Food
0.13%
AED 0
0.13% · AED 0
Fast Food
10%
AED 0
10% · AED 0
Digital Wallet
0.5%
AED 0
0.5% · AED 0
Digital Wallet
3%
AED 0
3% · AED 0
Insurance
0.13%
AED 0
0.13% · AED 0
Insurance
1%
AED 0
1% · AED 0
Car Dealers
0.13%
AED 0
0.13% · AED 0
Car Dealers
1%
AED 0
1% · AED 0
Utilities
0.05%
AED 0
0.05% · AED 0
Utilities
1%
AED 0
1% · AED 0
Fuel
0.05%
AED 0
0.05% · AED 0
Fuel
0.25%
AED 0
0.25% · AED 0
Transportation
0.05%
AED 0
0.05% · AED 0
Transportation
0.25%
AED 0
0.25% · AED 0
Government
0.05%
AED 0
0.05% · AED 0
Government
0.25%
AED 0
0.25% · AED 0
Real Estate
0.05%
AED 0
0.05% · AED 0
Real Estate
0.25%
AED 0
0.25% · AED 0
Education
0.05%
AED 0
0.05% · AED 0
Education
0.25%
AED 0
0.25% · AED 0
Charity
0.05%
AED 0
0.05% · AED 0
Charity
0.25%
AED 0
0.25% · AED 0
Telecom
0.05%
AED 0
0.05% · AED 0
Telecom
0.25%
AED 0
0.25% · AED 0
Bills
0.05%
AED 0
0.05% · AED 0
Bills
0.25%
AED 0
0.25% · 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
AED 2,760
Golf
—
Golf
—
Cinema Offers
—
Cinema Offers
—
Airport Transfers
—
Airport Transfers
AED 220
Valet Parking
AED 1,200
Valet Parking
—
Global eSIM
AED 37
Global eSIM
—
Annual Fee
Free
Annual Fee
– AED 997.5
Total
+ AED 1,237
Total
+ AED 1,983
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 Rakbank World comes out ahead by AED 7,167 a year, AED 7,656 against AED 489 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.
Rakbank World answers all six of the questions above: general everyday spend; groceries; dining and food delivery; online shopping; travel and flights; spending abroad. The order does not change with your mix, only the size of the gap.
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.
There is a condition attached. Rakbank World pays nothing at all in a month where total card spend falls below AED 10,000 — not a reduced rate, zero. Every figure here assumes a month that clears that gate, so if your spend is uneven month to month the annual total will not hold.
Eligibility separates them too: ENBD Voyager World opens at AED 12,000 a month against AED 20,000 for Rakbank 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 vs Rakbank World Credit Card: FAQ
Common questions about choosing between ENBD Voyager World Credit Card and Rakbank World Credit Card.