Card face-off
ENBD Voyager World Elite vs FAB Travel Credit Card: which is better in the UAE? (2026)
First Abu Dhabi Bank (FAB)
FAB Travel Credit Card
Both cards target frequent UAE travellers, but they reward you in different ways. The ENBD Voyager World Elite is built around Voyager Miles and a large welcome bonus, while the FAB Travel card leans on a free annual flight and a strong flat earn on flights and hotels.
ENBD Voyager World Elite Credit Card vs FAB Travel 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 | Up to 12 Voyager Miles per AED on the travel portal, plus airport transfers and lounge access. |
| AED 1,575 | Free | None | AED 20,000 | Free annual flight and a strong flat earn on flights and hotels booked directly. |
| Card | Annual fee | Joining fee | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
| AED 1,575 | Free | 3.14% | AED 25,000 | Up to 12 Voyager Miles per AED on the travel portal, plus airport transfers and lounge access. |
| AED 1,575 | Free | None | AED 20,000 | Free annual flight and a strong flat earn on flights and hotels booked directly. |
ENBD Voyager World Elite Credit Card
Annual feeAED 1,575
Joining feeFree
Foreign transaction fee3.14%
Min. salaryAED 25,000
HighlightUp to 12 Voyager Miles per AED on the travel portal, plus airport transfers and lounge access.
FAB Travel Credit Card
Annual feeAED 1,575
Joining feeFree
Foreign transaction feeNone
Min. salaryAED 20,000
HighlightFree annual flight and a strong flat earn on flights and hotels booked directly.
Which card is better for what
Four answers compare ENBD Voyager World Elite and FAB Travel on general everyday spend; 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: AED 1,575 for ENBD Voyager World Elite and AED 1,575 for FAB Travel. ENBD Voyager World Elite needs a salary of AED 25,000 a month and FAB Travel AED 20,000.
Best for general everyday spend: FAB Travel
FAB Travel returns more across the whole profile — AED 566 a year against a loss of AED 313, after each card's annual fee.
Modelled monthly spend
Grocery, Automotive, DiningAED 9,500
Fuel, Transportation, CharityAED 2,400
Insurance, Government +4 moreAED 1,600
Everything elseAED 7,700
TotalAED 21,200
Annual return
ENBD Voyager World Elite Credit Card
Rewards+ AED 1,262
Annual fee– AED 1,575
Totalthe fee is more than it earns on this profile– AED 313
FAB Travel Credit Card
Rewards+ AED 2,141
Annual fee– AED 1,575
Total0.22% of the profile, after everything+ AED 566
Best for travel and flights: FAB Travel
On AED 9,000 a month of travel and flights, FAB Travel earns AED 934 against AED 540. It keeps more over the year too, AED 14,344 against AED 9,699, after each card's annual fee.
Modelled monthly spend
FlightsAED 5,000
HotelsAED 2,500
TravelAED 1,500
Grocery, Automotive, DiningAED 9,500
Everything elseAED 11,700
TotalAED 30,200
Annual return
ENBD Voyager World Elite Credit Card
Rewards+ AED 7,742
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 9,699
FAB Travel Credit Card
Rewards+ AED 13,351
Benefits usedAirport lounge × 12, Airport transfers × 6+ AED 2,568
Annual fee– AED 1,575
Total3.96% of the profile, after everything+ AED 14,344
Best for spending abroad: FAB Travel
On AED 6,360 of foreign spend a month, FAB Travel charges nothing on it, waiving the bank markup and the card-network charge alike. ENBD Voyager World Elite charges 3.14%, which comes to AED 2,396 a year. That leaves FAB Travel ahead over the year, AED 2,299 against a loss of AED 551.
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 1,274
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 551
FAB Travel Credit Card
Rewards+ AED 2,162
Benefits usedAirport lounge × 8, Airport transfers × 4+ AED 1,712
Annual fee– AED 1,575
Total0.9% of the profile, after everything+ AED 2,299
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 7,001 against AED 602. 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, Automotive, DiningAED 7,150
Fuel, Transportation, CharityAED 1,800
Insurance, Government +4 moreAED 1,200
Everything elseAED 5,750
TotalAED 21,200
Annual return
ENBD Voyager World Elite Credit Card
Rewards+ AED 8,576
Annual fee– AED 1,575
Total2.75% of the profile, after everything+ AED 7,001
FAB Travel Credit Card
Rewards+ AED 2,177
Annual fee– AED 1,575
Total0.24% of the profile, after everything+ AED 602
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
Flights
6%
AED 0
6% · AED 0
Flights
0.9%
AED 0
0.9% · AED 0
Hotels
6%
AED 0
6% · AED 0
Hotels
0.9%
AED 0
0.9% · AED 0
Voyager Travel Portal
12%
AED 0
12% · AED 0
Voyager Travel Portal
0.9%
AED 0
0.9% · AED 0
Travel
6%
AED 0
6% · AED 0
Travel
0.9%
AED 0
0.9% · AED 0
Grocery, Automotive, Dining
0.25%
AED 0
0.25% · AED 0
Grocery, Automotive, Dining
0.9%
AED 0
0.9% · AED 0
Fuel, Transportation, Charity
0.1%
AED 0
0.1% · AED 0
Fuel, Transportation, Charity
0.9%
AED 0
0.9% · AED 0
Insurance, Government +4 more
0.25%
AED 0
0.25% · AED 0
Insurance, Government +4 more
0.15%
AED 0
0.15% · AED 0
Other Spends
1%
AED 0
1% · AED 0
Other Spends
0.9%
AED 0
0.9% · AED 0
Airport Lounge Access
—
Airport Lounge Access
AED 2,208
Golf
—
Golf
—
Cinema Offers
—
Cinema Offers
—
Careem Airport Transfer
—
Careem Airport Transfer
AED 240
Valet Parking
AED 1,200
Valet Parking
—
Global eSIM
AED 74
Global eSIM
—
OneVasco Visa Services
AED 650
OneVasco Visa Services
—
Annual Fee
– AED 1,575
Annual Fee
– AED 1,575
Total
+ AED 349
Total
+ AED 873
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 Travel comes out ahead by AED 879 a year, AED 566 against a loss of AED 313 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 Travel answers three: general everyday spend; travel and flights; spending abroad. ENBD Voyager World Elite 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.
Both charge an annual fee, AED 1,575 on ENBD Voyager World Elite and AED 1,575 on FAB Travel, so both have to earn their keep before anything reaches you. Every figure above is already net of that.
Eligibility separates them too: FAB Travel opens at AED 20,000 a month against AED 25,000 for ENBD Voyager World 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 Travel Credit Card: FAQ
Common questions about choosing between ENBD Voyager World Elite Credit Card and FAB Travel Credit Card.