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

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

Copyright © 2026 All Rights Reserved.

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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

A free-for-life travel card earning Voyager Miles, with lounge access, airport transfers, golf and cinema perks.

Updated Jul 2026

≈ AED 16,386 potential value / year · incl. perks · incl. welcome bonus
WebsiteVisit ENBD Voyager World Credit Card credit card website

Welcome offer

AED 250 cashback

Credited within 45 days of spend activation.

Kredit exclusive

Get AED 250 cashback credited within 45 days of spend activation. Available only when you apply for the card through Kredit.

75,000 Voyager Miles

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

Spend AED 35,000 within the first 3 billing statements 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

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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 837
Lifestyle

Merchant

Radisson Hotel Andermatt

20% off the non-member flex rate

Valid until 30 Aug 2026
View offer
Restaurants

Merchant

Celsius

25% off Food and Beverage

Valid until 31 Aug 2026
View offer
Lifestyle

Merchant

Grand Flora Spa Ladies Salon

Enjoy 15% off on spend of AED 150 and above

Valid until 31 Aug 2026
View offer
Entertainment

Merchant

Just Padel

Just Padel Kite Beach

Valid until 31 Aug 2026
View offer

Additional Benefits

Airport lounge access

8 visits per year for the cardholder.

Requires AED 5,000/month spend

Access 1,000+ participating lounges worldwide via Mastercard Travel Pass, up to 8 times per year (cardholder only).

See full breakdown

Airport transfers

2 domestic and 4 international transfers yearly.

Requires AED 5,000/month spend

Up to 2 domestic and 4 international airport transfers per year via Thriwe. AED 5,000 monthly spend applies; service fees may apply below the spend threshold.

See full breakdown

OneVasco visa services

4 visa assistance services yearly.

Includes OneVasco application support. Each traveller counts as one use; AED 5,000 monthly spend applies.

See full breakdown

Golf

1 complimentary round per month at 6 UAE courses.

Requires AED 5,000/month spend

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.

Requires AED 5,000/month spend

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.

No minimum spend required

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

See full breakdown

LiveWell

Up to 50% off health and fitness.

Requires AED 5,000/month spend

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

3.49%

Monthly Purchase Rate

3.49% per month (41.88% 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 Pro0.99%*

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

Important Stuff

Key Facts Statement

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 the first 3 billing statements.

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.

ENBD Voyager World includes 4 complimentary OneVasco travel visa assistance services per year. Each traveller counts as one use from the annual allowance.

The Voyager benefits page lists executive rides at selected international airports up to 4 times per year. A monthly spend of AED 5,000 is required in the month the benefit is used, otherwise a service charge may apply.

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 and automotive spend, regardless of the merchant category.

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