Kredit
My WalletCredit cardsCalculatorsAccountsPick me a card
Profile
  • My Wallet
  • Credit cards
  • Calculators
  • Accounts
  • Pick me a card
  • Profile
More
  • Offers
  • Kredit Nearby
  • Kredit Perks
  • Banks
  • Loyalty Programs
  • How we rank
Compare
  • Best credit cards
  • Accounts
  • Banks
  • Offers
  • Loyalty Programs
  • Kredit Perks
Tools
  • My Wallet
  • Pick me a card
  • Calculators
  • Kredit Nearby
  • ChatGPT App
Company
  • About
  • Contact us
  • New to the UAE
  • Secure Collect
  • How we rank
Contact

Please send feedback and feature requests to support@kredit.ae

For partnerships please reach out to partner@kredit.ae

SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

Kredit

Copyright © 2026 All Rights Reserved.

Privacy PolicyTerms of ServiceReferral Programme TermsReferral Privacy Notice

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Get notified about UAE latest credit card products

Back to cards
Back to cards
ENBD Voyager World Credit Card
Kredit rating: 3.9/5 · Very good
Joining Fee
Free
Annual Fee
Free
Minimum Salary
AED 12,000

ENBD Voyager World Credit Card

Earn 6 Voyager Miles per AED 1 spent on the Voyager Travel Portal, or 3 Miles per AED 1 on other eligible travel bookings.

Updated Jul 2026

≈ AED 16,049 potential value / year · incl. perks · incl. welcome bonus
WebsiteVisit ENBD Voyager World Credit Card credit card website

At a glance

Welcome offer

Welcome bonus
75,000 Voyager Miles

Top benefits

Airport lounge
8/year
Airport transfers
2/year
Golf
2/month
Cinema
3/month
Valet parking4/month
Dining offers1/month
Gym & fitness
Included
Visa servicesIncluded
Global eSIM1/year
See all benefits

Fees and eligibility

Joining FeeFree
Annual FeeFree
Minimum SalaryAED 12,000
Monthly Purchase Rate
3.69%
International Transaction Fee (non-AED)
1.99%
See all fees

Rewards

CategoryEarnRate
Voyager Travel Portal
6 miles per AED
6%

6 miles per AED

Travel
3 miles per AED
3%

3 miles per AED

Grocery, Insurance, Car Dealers, Fast Food
0.125 miles per AED
0.13%

0.125 miles per AED

Fuel, Transportation +5 more
0.05 miles per AED
0.05%

0.05 miles per AED

All other spend
0.5 miles per AED
0.5%

0.5 miles per AED

CategoryEarnRate
Voyager Travel Portal
6 miles per AED
6%

6 miles per AED

Travel
3 miles per AED
3%

3 miles per AED

Grocery, Insurance, Car Dealers, Fast Food
0.125 miles per AED
0.13%

0.125 miles per AED

Fuel, Transportation +5 more
0.05 miles per AED
0.05%

0.05 miles per AED

All other spend
0.5 miles per AED
0.5%

0.5 miles per AED

Total rewards capped at 100,000 miles a month

See all rewards

Welcome offer

75,000 Voyager Miles

Earn 75,000 Voyager Miles after AED 35,000 spend.

Spend AED 35,000 within 3 months of issuance to earn the welcome offer. Offered in the first year only.

See full breakdown

Rewards

6Voyager Miles

per AED 1 on Voyager Travel Portal.

Earn 6 Voyager Miles for every AED 1 spent through the Voyager Travel Portal.

See full breakdown

3Voyager Miles

per AED 1 on other travel bookings.

Earn 3 Voyager Miles for every AED 1 spent on eligible travel bookings outside the Voyager Travel Portal.

See full breakdown

0.5Voyager Miles

per AED 1 on retail transactions.

Earn 0.5 Voyager Miles for every AED 1 spent on eligible retail purchases.

See full breakdown

0.125Voyager Miles

per AED 1 on grocery, dining, insurance & automotive.

These categories earn 25% of the base retail rate. Covers grocery, supermarkets, fast food, insurance, and car dealerships. This reduced rate also applies to retail spend originating in the European Union or United Kingdom, regardless of category.

See full breakdown

0.05Voyager Miles

per AED 1 on fuel, utilities, government & more.

These categories earn 10% of the base retail rate. Covers fuel, transit, government services, utilities, real estate, education, charity and telecom.

See full breakdown

Rewards Calculator

My Wallet

Already have the ENBD Voyager World Credit Card?

Add it to your wallet, include any other cards you own, and see exactly where this card should be used.

Open My Wallet

Eligibility

21

Minimum Age

12,000AED

Minimum Income

UAE residency documents

Emirates NBD may request Emirates ID, passport copy, and a security cheque.

Documents ready

Emirates ID + passport with residence visa

Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.

Check your AECB report

Recent rejections or missed payments can stall approval

A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.

3 months of salary credits

Most banks want to see about three months of salary credited to a UAE account before approving a card.

Salary-transfer customers and applicants at preferred employers are often approved sooner. If you've just changed jobs, waiting for the third credit is the safer bet.

Offers

See all 219
Lifestyle

Merchant

Smart Global Domestic Workers Services Center L.L.C.

10% off domestic workers recruitment fees for all available nationalities.

Valid until 11 Nov 2026
View offer
Restaurants

Merchant

Esca Restauarants DMCC

Pressman's

Valid until 12 Nov 2026
View offer
Lifestyle

Merchant

Yinyang Connection Spa

10% off on all services

Valid until 14 Nov 2026
View offer
Restaurants

Merchant

Oliwino - W Dubai The Palm

25% discount on food and beverage

Valid until 19 Nov 2026
View offer

Additional Benefits

Airport lounge access

8 visits a year via Mastercard Travel Pass.

8 Mastercard Travel Pass lounge visits or airport dining offers a calendar year for the cardholder; guests USD 32 each; later visits need a USD 1 international transaction in the prior 3 months.

See full breakdown

Airport transfers

2 domestic airport transfers yearly.

Up to 2 complimentary domestic airport transfers per year within the UAE via Emirates NBD concierge. AED 5,000 monthly spend applies in the month of use.

See full breakdown

OneVasco visa services

Complimentary visa assistance.

4 complimentary OneVasco Standard travel visa applications a year; two family members in one booking count as two. AED 5,000 monthly spend applies; below it, AED 250 a use.

See full breakdown

Golf

2 complimentary rounds per month at 6 UAE courses.

Includes Arabian Ranches, Jebel Ali, The Track Meydan, Abu Dhabi City, Abu Dhabi Golf Club, and Sharjah Golf & Shooting Club. Requires AED 5,000 monthly spend; AED 30 processing fee per booking; no-show fee AED 249 and golf cart charges apply.

See full breakdown

Movie benefits

3 buy-one-get-one tickets per month.

Buy-one-get-one-free cinema tickets, up to 3 free tickets per month at VOX and Reel cinemas, subject to spend terms.

See full breakdown

Valet parking

4 free Abu Dhabi valet services monthly.

Includes up to 4 free 1-hour valet services per month at select Abu Dhabi and Al Ain locations.

See full breakdown

Global e-SIM

1GB roaming data per year.

Complimentary global e-SIM with 1GB of roaming data once per year via the FlexiRoam app.

See full breakdown

Car rental discount

Up to 35% off car rentals and chauffeur services.

Save up to 35% on car rentals and chauffeur services with participating partners.

See full breakdown

Travel medical insurance

Cover up to USD 500,000.

Complimentary travel medical insurance with cover up to USD 500,000, plus Mastercard travel benefits and roadside assistance under card terms.

See full breakdown

Bon Appétit

Dining discounts at partner restaurants.

Up to 15% off dining at participating restaurants via the Bon Appétit programme.

See full breakdown

LiveWell

Up to 50% off health and fitness.

Discounts of up to 50% at participating gyms, spas, and wellness centers via the LiveWell programme.

See full breakdown

GoodTimes

Up to 50% off entertainment and lifestyle.

Discounts of up to 50% at participating entertainment and lifestyle venues via the GoodTimes programme.

See full breakdown

Fees

Free

Joining Fee

Free

Annual Fee

3.69%

Monthly Purchase Rate

3.69% per month (44.28% per annum).

Late Payment FeeAED 241.5*

*Charged per month if the minimum payment due is not received in full by the payment due date.

Over Limit FeeAED 292.95*

*Charged once during each billing cycle when the current balance exceeds the credit limit.

Cash Advance Fee3.15%*

*3.15% of the cash advance amount or AED 103.95, whichever is higher.

Installment ProcessingAED 51.45*

*Charged per transaction.

Installment Pre-closure1.05%*

*1.05% of principal outstanding.

International Transaction Fee (non-AED)1.99%*

*Bank currency conversion fee; network processing fees may also apply.

Foreign Currency Transaction Fee (AED abroad)1.99%*

*Applies when settling foreign currency transactions in UAE dirhams overseas.

Direct Debit Return FeeAED 105*

*Charged for returned cheque or direct debit handling.

Credit Shield Pro1.04%*

*Monthly premium on the credit card outstanding balance when enrolled.

Important Stuff

Key Facts Statement

Opens in a new tab

Voyager Terms and Conditions

Opens in a new tab

Voyager Benefits

Opens in a new tab

Kredit rating

Kredit verdict

3.9/5 · Very good

Get it if

  • +You're willing to route future flight and hotel bookings through the card-linked Voyager Travel Portal after approval
  • +You want a genuinely full lifestyle bundle (lounge, golf, valet, cinema, transfers, eSIM) with no annual fee
  • +You meet the AED 12,000 salary requirement and will pay the statement balance in full

Skip it if

  • –Most of your spend is everyday retail/groceries/utilities — the earn rate there is minimal
  • –You prefer booking directly with airlines and hotels instead of using a card-linked travel portal
  • –You won't realistically use the lounge, golf, or valet perks — the free-for-life value proposition leans heavily on the lifestyle bundle

Reviewed by Kredit Editorial Team · Data verified August 7, 2026

Read the full reviewSee the editorial methodology

Frequently Asked Questions

Get answers to common questions about ENBD Voyager World Credit Card credit card

Emirates NBD lists 75,000 Voyager Miles when you spend AED 35,000 within 3 months of issuance, in the first year only.

No. Emirates NBD lists the ENBD Voyager World Credit Card as free for life.

Voyager Miles are redeemed through the Voyager Travel Portal in the ENBD X app for flights and hotels, or transferred to airline and hotel partners such as flynas, Air Arabia, Turkish Airlines, Saudia, Ethiopian Airlines, IHG and Meliá.

100 Voyager Miles equal AED 1 when redeemed for travel through the Voyager Travel Portal. You can also transfer 1,000 Miles to 10 airline and hotel partners — for example 275 IHG One Rewards points, 125 Turkish Airlines Miles&Smiles miles, 320 Meliá Rewards points, or 140 flynas naSmiles — though most transfers are worth less than redeeming directly through the portal.

Yes. Voyager Miles are valid for 36 calendar months from the date they are earned.

ENBD Voyager World has a monthly statement cap of 100,000 Voyager Miles, worth AED 1,000. Only the primary cardholder can redeem or transfer miles.

The highest rate applies on the Voyager Travel Portal, followed by other eligible travel bookings. General retail spend earns a lower miles rate.

The listed minimum salary is AED 12,000. Final approval depends on Emirates NBD's credit and policy checks.

It is best suited for travellers who can use Voyager Miles for flights, hotels or transfer partners and value travel perks such as lounge access and airport transfers.

Voyager World includes 4 complimentary OneVasco travel visa applications a year, with AED 5,000 card spend in the month of use.

No. Emirates NBD's current concierge services page lists Voyager World with domestic airport transfers only, up to 2 per year within the UAE. International airport transfers are reserved for Voyager World Elite.

No. The Voyager benefits table lists airport security fast track and international meet and greet as benefits not available on Voyager World; they are reserved for Voyager World Elite.

Retail spend originating in the European Union or United Kingdom earns the reduced 0.125 Voyager Miles per AED 1 rate, the same band as grocery, insurance, car dealerships and fast-food spend, regardless of the merchant category.

Compare head-to-head

See all
ENBD Voyager World Credit Card
vs
ADCB Traveller Credit Card

ENBD Voyager World vs ADCB Traveller Credit Card

ENBD Voyager World Credit Card
vs
ENBD Voyager World Elite Credit Card

ENBD Voyager World vs ENBD Voyager World Elite

ENBD Voyager World Credit Card
vs
FAB Rewards Indulge Card

ENBD Voyager World vs FAB Rewards Indulge

ENBD Voyager World Credit Card
vs
Rakbank Elevate Credit Card

ENBD Voyager World vs Rakbank Elevate

ENBD Voyager World Credit Card
vs
Rakbank World Credit Card

ENBD Voyager World vs Rakbank World

ENBD Voyager World Credit Card
vs
Citi Premier Credit Card

ENBD Voyager World vs Citi Premier

ENBD Voyager World Credit Card
vs
Emirates Islamic Skywards Signature Credit Card

ENBD Voyager World vs Emirates Islamic Skywards Signature

Similar cards

ENBD Voyager World Elite Credit Card Design

EMIRATES NBD

ENBD Voyager World Elite Credit Card

  • Salary: AED 25,000+
  • 150,000 Miles on AED 70,000
  • No Annual Fee for the first year
  • 12 Miles/AED on Voyager Portal
  • 6 Miles/AED on other travel
ExploreLearn more about ENBD Voyager World Elite Credit Card credit card benefits and features
ENBD Skywards Infinite Credit Card Design

EMIRATES NBD

ENBD Skywards Infinite Credit Card

  • Salary: AED 30,000+
  • Joining Fee: AED 3,148.95
  • Annual Fee: AED 1,575
  • Up to 150,000 bonus Miles
  • Skywards Silver membership
ExploreLearn more about ENBD Skywards Infinite Credit Card credit card benefits and features
ADCB Traveller Credit Card Design

ABU DHABI COMMERCIAL BANK (ADCB)

ADCB Traveller Credit Card

  • Salary: AED 20,000+
  • Annual Fee: AED 1,575
  • 10% Cashback on airline tickets
  • 10% Cashback on hotel stays
  • 1.5% Cashback on all domestic spends
ExploreLearn more about ADCB Traveller Credit Card credit card benefits and features

Other credit cards from this bank

ENBD Marriott Bonvoy World Elite Design

EMIRATES NBD

ENBD Marriott Bonvoy World Elite

  • Salary: AED 25,000+
  • Annual Fee: AED 1,575
  • Welcome Bonus: Up to 200,000 Points
  • 6 points per USD 1 at Marriott hotels
  • Gold Elite Status with Marriott
ExploreLearn more about ENBD Marriott Bonvoy World Elite credit card benefits and featuresApplyApply for ENBD Marriott Bonvoy World Elite credit card
ENBD U By Emaar Signature Credit Card Design

EMIRATES NBD

ENBD U By Emaar Signature Credit Card

  • Min Salary: AED 12,000
  • Joining Fee: AED 525
  • Annual Fee: AED 262.50
  • 6.25% cashback on Emaar spends
  • U By Emaar Gold Status
ExploreLearn more about ENBD U By Emaar Signature Credit Card credit card benefits and featuresApplyApply for ENBD U By Emaar Signature Credit Card credit card
ENBD Visa Flexi Credit Card Design

EMIRATES NBD

ENBD Visa Flexi Credit Card

  • Min Salary: AED 12,000
  • AED 735 annual fee
  • Up to 1.5 points per AED 100
  • Lounge Access Included
  • 30% discount at 2,000+ restaurants
ExploreLearn more about ENBD Visa Flexi Credit Card credit card benefits and featuresApplyApply for ENBD Visa Flexi Credit Card credit card
ENBD U By Emaar Visa Infinite Emirati Credit Card Design

EMIRATES NBD

ENBD U By Emaar Visa Infinite Emirati Credit Card

  • Salary: AED 30,000+
  • Joining fee waived
  • UAE Nationals only
  • Up to 25,000 welcome UPoints
  • 7.5% value back at Emaar
ExploreLearn more about ENBD U By Emaar Visa Infinite Emirati Credit Card credit card benefits and featuresApplyApply for ENBD U By Emaar Visa Infinite Emirati Credit Card credit card
ENBD Etihad Guest Visa Elevate Credit Card Design

EMIRATES NBD

ENBD Etihad Guest Visa Elevate Credit Card

  • Salary: AED 30,000+
  • Joining Fee: AED 2,625
  • Annual Fee: AED 1,575
  • Welcome Offer: Up to 200,000 Miles
  • 10 Miles per AED 10 spend on Etihad
ExploreLearn more about ENBD Etihad Guest Visa Elevate Credit Card credit card benefits and featuresApplyApply for ENBD Etihad Guest Visa Elevate Credit Card credit card
ENBD Visa Infinite Credit Card Design

EMIRATES NBD

ENBD Visa Infinite Credit Card

  • Salary: AED 30,000+
  • Annual Fee: AED 1,575
  • Up to 2 Points per AED 100 spent
  • Airport lounge access via Visa Airport Companion.
  • Complimentary Golf Access in the UAE.
ExploreLearn more about ENBD Visa Infinite Credit Card credit card benefits and featuresApplyApply for ENBD Visa Infinite Credit Card credit card

Related Articles

How Many Voyager Miles Does a Real Flight Booking Actually Cost?
GUIDANCE

How Many Voyager Miles Does a Real Flight Booking Actually Cost?

Kredit
By Kredit
·Published Aug 8, 2026
Emirates NBD Voyager World Credit Card Review (2026)
REVIEWS

Emirates NBD Voyager World Credit Card Review (2026)

Kredit
By Kredit
·Published Aug 8, 2026
How to Redeem ENBD Voyager Miles: Step-by-Step Portal Guide
GUIDANCE

How to Redeem ENBD Voyager Miles: Step-by-Step Portal Guide

Kredit
By Kredit
·Published Aug 6, 2026
ENBD Voyager Miles Value: What Are They Really Worth?
GUIDANCE

ENBD Voyager Miles Value: What Are They Really Worth?

Kredit
By Kredit
·Published Aug 5, 2026
Voyager Miles Transfer Partners: flynas, Turkish, Meliá & More
GUIDANCE

Voyager Miles Transfer Partners: flynas, Turkish, Meliá & More

Kredit
By Kredit
·Published Aug 4, 2026
Emirates NBD Launches Voyager World & World Elite Credit Cards
ANNOUNCEMENTS

Emirates NBD Launches Voyager World & World Elite Credit Cards

Kredit
By Kredit
·Published Dec 13, 2025

Related Collections

Best Airline Credit Cards in the UAE preview

Collections

Best Airline Credit Cards in the UAE

Credit Cards Without Salary Certificate in the UAE preview

Collections

Credit Cards Without Salary Certificate in the UAE

Best credit cards preview

Collections

Best credit cards

Travel insurance cards preview

Collections

Travel insurance cards

Best travel cards preview

Collections

Best travel cards

Rewards points cards preview

Collections

Rewards points cards

No annual fee cards preview

Collections

No annual fee cards

Best golf cards preview

Collections

Best golf cards

AED 12,000 salary cards preview

Collections

AED 12,000 salary cards

AED 14,000 salary cards preview

Collections

AED 14,000 salary cards

Emirates NBD cards preview

Collections

Emirates NBD cards

Airport lounge cards preview

Collections

Airport lounge cards

Best cards for Topgolf preview

Collections

Best cards for Topgolf