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
Three answers compare ENBD Voyager World Elite and FAB Elite on general everyday spend; travel and flights; 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. One answer prices air travel (travel and flights) and counts 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 1,174 a year against AED 132, after each card's annual fee.
Modelled monthly spend
Grocery, InsuranceAED 4,500
Fuel, Transportation +6 moreAED 4,000
Everything elseAED 12,700
TotalAED 21,200
Annual return
ENBD Voyager World Elite Credit Card
Rewards+ AED 1,707
Annual fee– AED 1,575
Total0.05% of the profile, after everything+ AED 132
FAB Elite Credit Card
Rewards+ AED 2,434
Annual fee– AED 1,260
Total0.46% of the profile, after everything+ AED 1,174
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 10,144 against AED 5,239, after each card's annual fee.
Modelled monthly spend
Flights, Hotels, TravelAED 9,000
Grocery, InsuranceAED 4,500
Fuel, Transportation +6 moreAED 4,000
Everything elseAED 12,700
TotalAED 30,200
Annual return
ENBD Voyager World Elite Credit Card
Rewards+ AED 8,187
Benefits usedAirport lounge × 12, Airport transfers × 4, Global eSIM × 2, Visa services × 1+ AED 3,532
Annual fee– AED 1,575
Total2.8% of the profile, after everything+ AED 10,144
FAB Elite Credit Card
Rewards+ AED 4,051
Benefits usedAirport lounge × 12, Airport transfers × 4+ AED 2,448
Annual fee– AED 1,260
Total1.45% of the profile, after everything+ AED 5,239
Best inside Voyager Travel Portal: ENBD Voyager World Elite
With AED 5,300 a month going through Voyager Travel Portal, ENBD Voyager World Elite ends the year on AED 7,335 against AED 1,514. 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
Grocery, InsuranceAED 3,400
Fuel, Transportation +6 moreAED 3,000
Everything elseAED 9,500
TotalAED 21,200
Annual return
ENBD Voyager World Elite Credit Card
Rewards+ AED 8,910
Annual fee– AED 1,575
Total2.88% of the profile, after everything+ AED 7,335
FAB Elite Credit Card
Rewards+ AED 2,774
Annual fee– AED 1,260
Total0.59% of the profile, after everything+ AED 1,514
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
Voyager Travel Portal
12%
AED 0
12% · AED 0
Voyager Travel Portal
1.5%
AED 0
1.5% · AED 0
Car Rental
6%
AED 0
6% · AED 0
Car Rental
0.15%
AED 0
0.15% · AED 0
Car Dealers, Fast Food
0.25%
AED 0
0.25% · AED 0
Car Dealers, Fast Food
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
Equipment Rental
1%
AED 0
1% · AED 0
Equipment Rental
0.15%
AED 0
0.15% · AED 0
Fuel, Transportation +6 more
0.1%
AED 0
0.1% · AED 0
Fuel, Transportation +6 more
0.15%
AED 0
0.15% · AED 0
Grocery, Insurance
0.25%
AED 0
0.25% · AED 0
Grocery, Insurance
0.15%
AED 0
0.15% · 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 2,208
Golf
—
Golf
—
Cinema Offers
—
Cinema Offers
—
Airport Transfers
—
Airport Transfers
AED 240
Valet Parking
AED 1,200
Valet Parking
—
Global eSIM
AED 74
Global eSIM
—
OneVasco Visa Services
—
OneVasco Visa Services
—
Annual Fee
– AED 1,575
Annual Fee
– AED 1,260
Total
– AED 301
Total
+ AED 1,188
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 1,042 a year, AED 1,174 against AED 132 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. ENBD Voyager World Elite answers two: travel and flights; spend at these cards' own merchants. FAB Elite answers one: general everyday spend. 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.