Card face-off
ENBD Voyager World Elite vs FAB Elite: which is better in the UAE? (2026)
First Abu Dhabi Bank (FAB)
FAB Elite Credit Card
ENBD Voyager World Elite and FAB Elite both compete for everyday UAE spend. The figures below come from each card's live reward rules at AED 24,000 a month, net of annual fees.
ENBD Voyager World Elite Credit Card vs FAB Elite 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 |
|---|---|---|---|---|---|
 | AED 1,575 | Free | 3.14% | AED 25,000 | 12 Voyager Miles on every AED spent on Voyager Travel Portal. |
| AED 1,260 | AED 1,260 | 3.89% | AED 40,000 | Up to 20 FAB Rewards on luxury spending. |
| Card | Annual fee | Joining fee | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
| AED 1,575 | Free | 3.14% | AED 25,000 | 12 Voyager Miles on every AED spent on Voyager Travel Portal. |
| AED 1,260 | AED 1,260 | 3.89% | AED 40,000 | Up to 20 FAB Rewards on luxury spending. |
ENBD Voyager World Elite Credit Card
Annual feeAED 1,575
Joining feeFree
Foreign transaction fee3.14%
Min. salaryAED 25,000
Highlight12 Voyager Miles on every AED spent on Voyager Travel Portal.
FAB Elite Credit Card
Annual feeAED 1,260
Joining feeAED 1,260
Foreign transaction fee3.89%
Min. salaryAED 40,000
HighlightUp to 20 FAB Rewards on luxury spending.
Which card is better for what
Four answers compare ENBD Voyager World Elite and FAB Elite on general everyday spend; travel and flights; spending abroad; fuel and commuting. 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 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: AED 1,575 for ENBD Voyager World Elite and AED 1,260 for FAB Elite. ENBD Voyager World Elite needs a salary of AED 25,000 a month and FAB Elite AED 40,000.
Best for general everyday spend: FAB Elite
FAB Elite returns more across the whole profile — AED 2,318 a year against a loss of AED 314, after each card's annual fee.
Modelled monthly spend
Grocery, Automotive, DiningAED 9,500
Fuel, TransportationAED 2,400
Insurance, Government +5 moreAED 1,600
Everything elseAED 7,700
TotalAED 21,200
Annual return
ENBD Voyager World Elite Credit Card
Rewards+ AED 1,261
Annual fee– AED 1,575
Totalthe fee is more than it earns on this profile– AED 314
FAB Elite Credit Card
Rewards+ AED 3,578
Annual fee– AED 1,260
Total0.91% of the profile, after everything+ AED 2,318
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 135. It keeps more over the year too, AED 9,698 against AED 7,043, after each card's annual fee.
Modelled monthly spend
Flights, Hotels, TravelAED 9,000
Grocery, Automotive, DiningAED 9,500
Fuel, TransportationAED 2,400
Insurance, Government +5 moreAED 1,600
Everything elseAED 7,700
TotalAED 30,200
Annual return
ENBD Voyager World Elite Credit Card
Rewards+ AED 7,741
Benefits usedAirport lounge × 12, Airport transfers × 4, Global eSIM × 2, Visa services × 1+ AED 3,532
Annual fee– AED 1,575
Total2.68% of the profile, after everything+ AED 9,698
FAB Elite Credit Card
Rewards+ AED 5,195
Benefits usedAirport lounge × 12, Airport transfers × 6+ AED 3,108
Annual fee– AED 1,260
Total1.94% of the profile, after everything+ AED 7,043
Best for spending abroad: FAB Elite
On AED 6,360 of foreign spend a month, FAB Elite charges 3.89%, which comes to AED 2,969 a year. ENBD Voyager World Elite charges 3.14%, which comes to AED 2,396 a year. The charge is not what decides it: FAB Elite earns more on that spend and keeps AED 1,450 a year against a loss of AED 554.
Modelled monthly spend
Spent abroad, in another currencyAED 6,360
Spent in the UAEAED 14,840
TotalAED 21,200
Annual return
ENBD Voyager World Elite Credit Card
Rewards+ AED 1,271
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 554
FAB Elite Credit Card
Rewards+ AED 3,607
Benefits usedAirport lounge × 8, Airport transfers × 4+ AED 2,072
Annual fee– AED 1,260
Foreign transaction fee3.89% on spend abroad– AED 2,969
Total0.57% of the profile, after everything+ AED 1,450
Best for fuel and commuting: FAB Elite
On AED 3,800 a month of fuel and commuting, FAB Elite earns AED 57 against AED 4. It keeps more over the year too, AED 2,570 against a loss of AED 297, after each card's annual fee.
Modelled monthly spend
Fuel, TransportationAED 3,800
Grocery, Automotive, DiningAED 9,500
Insurance, Government +5 moreAED 1,600
Everything elseAED 7,700
TotalAED 22,600
Annual return
ENBD Voyager World Elite Credit Card
Rewards+ AED 1,278
Annual fee– AED 1,575
Totalthe fee is more than it earns on this profile– AED 297
FAB Elite Credit Card
Rewards+ AED 3,830
Annual fee– AED 1,260
Total0.95% of the profile, after everything+ AED 2,570
Which card earns more on your spend?
Adjust your monthly spending to see how cashback changes across cards.
Emirates NBD
ENBD Voyager World Elite Credit Card
Voyager Miles
Emaar Destinations
1%
AED 0
1% · AED 0
Emaar Destinations
5.99%
AED 0
5.99% · AED 0
Majid Al Futtaim Destinations
1%
AED 0
1% · AED 0
Majid Al Futtaim Destinations
5.99%
AED 0
5.99% · AED 0
Voyager Travel Portal
12%
AED 0
12% · AED 0
Voyager Travel Portal
1.5%
AED 0
1.5% · AED 0
Flights, Hotels, Travel
6%
AED 0
6% · AED 0
Flights, Hotels, Travel
1.5%
AED 0
1.5% · AED 0
Grocery, Automotive, Dining
0.25%
AED 0
0.25% · AED 0
Grocery, Automotive, Dining
1.5%
AED 0
1.5% · AED 0
Fuel, Transportation
0.1%
AED 0
0.1% · AED 0
Fuel, Transportation
1.5%
AED 0
1.5% · AED 0
Insurance, Government +5 more
0.25%
AED 0
0.25% · AED 0
Insurance, Government +5 more
0.3%
AED 0
0.3% · AED 0
Other Spends
1%
AED 0
1% · AED 0
Other Spends
1.5%
AED 0
1.5% · AED 0
Airport Lounge Access
—
Airport Lounge Access
AED 2,760
Golf
—
Golf
—
Cinema Offers
—
Cinema Offers
—
Airport Transfers
—
Airport Transfers
AED 600
Valet Parking
AED 1,200
Valet Parking
AED 1,200
Global eSIM
AED 74
Global eSIM
—
OneVasco Visa Services
AED 650
OneVasco Visa Services
—
Annual Fee
– AED 1,575
Annual Fee
– AED 1,260
Total
+ AED 349
Total
+ AED 3,300
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 FAB Elite comes out ahead by AED 2,632 a year, AED 2,318 against a loss of AED 314 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. FAB Elite answers three: general everyday spend; spending abroad; fuel and commuting. ENBD Voyager World Elite answers one: travel and flights. Which of those months looks most like yours is what decides it, so the calculator above is worth a minute with your own figures.
Both charge an annual fee, AED 1,575 on ENBD Voyager World Elite and AED 1,260 on FAB Elite, so both have to earn their keep before anything reaches you. Every figure above is already net of that.
Eligibility separates them too: ENBD Voyager World Elite opens at AED 25,000 a month against AED 40,000 for FAB Elite. 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 Elite Credit Card
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ENBD Voyager World Elite Credit Card vs FAB Elite Credit Card: FAQ
Common questions about choosing between ENBD Voyager World Elite Credit Card and FAB Elite Credit Card.