Voyager World Credit Card review
This Mastercard earns 6 Voyager Miles per AED 1 on the Voyager travel portal, 3 Miles per AED 1 on other travel and 1 Voyager Mile per AED 1 on base retail. Selected everyday categories such as grocery, supermarkets, fast-food, insurance, car dealerships and EU/UK spends earn 25% of base, while fuel, transit, government, utilities, real estate, education, charity and telecom earn 10% of base.
A 75,000 Voyager Mile welcome bonus is available after AED 35,000 of spend within three months of issuance in the first year, with Miles redeemable through the ENBD Voyager portal for flights, hotels and travel.
Because it is free for life and adds complimentary worldwide lounge access through Mastercard Travel Pass plus golf privileges, the card is a natural fit for cost-conscious travellers who want to build Voyager Miles without paying an annual fee.
Card details
| Bank | Emirates NBD |
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| Card type | Travel |
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| Card network | Mastercard |
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| Minimum salary | AED 12,000 |
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| Annual fee | Free for life |
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| Fee waiver | Free for life (lifetime free credit card) |
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| Interest (monthly) | 3.69% |
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| Reward type | Voyager Miles |
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| Reward rate | Earn 6 Voyager Miles per AED 1 on the Voyager travel portal, 3 Miles per AED 1 on other travel, and 0.5 Voyager Mile per AED 1 on base retailBase retail earns 1 mile per AED. Grocery, supermarkets, fast-food, insurance, car dealerships and EU/UK spends earn 25% of base; fuel, transit, government, utilities, real estate, education, charity and telecom earn 10% of base Redeem Voyager Miles through the ENBD Voyager portal. Foreign currency transaction fee is 1.99% |
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| Welcome bonus | 75,000 Voyager Miles when you spend AED 35,000 within 3 months of issuance (first year only)Voyager World cardholders only | Spend AED 35,000 within 3 months of issuance (first 3 billing statements) | Miles credited to Voyager Miles account after reaching spend amount | Rewards capped up to 100,000 Voyager Miles per statement |
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| Lounge access | Complimentary airport lounge access worldwide with Mastercard Travel Pass |
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| Quick cash | Draw a cash advance of up to 50% of your credit limit (fee of 3.15% of the amount or AED 103.95, whichever is higher); Loan on Card and Advance Loan on Card (ALOC) options are also available upto 90% and you can make payments in installment. Wheather interest rate or only processing fees depends on bank offer. |
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| Balance transfer | Balance transfer offered on standard ENBD terms, either 0% with a processing fee or interest-bearing |
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| Instalment plan | 0% and interest-bearing Easy Payment Plans (EPP) are available; 0% IPP carries a processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month), with an early-settlement fee of 1.05% |
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Welcome bonus: 75,000 Voyager Miles when you spend AED 35,000 within 3 months of issuance (first year only)
Terms: Voyager World cardholders only | Spend AED 35,000 within 3 months of issuance (first 3 billing statements) | Miles credited to Voyager Miles account after reaching spend amount | Rewards capped up to 100,000 Voyager Miles per statement
Voyager World Credit Card benefits
✓75,000 Voyager Miles welcome bonus
✓Lifetime free credit card with no annual fee
✓Earn up to 6 Voyager Miles per AED 1 on travel
✓Complimentary worldwide lounge access via Mastercard Travel Pass
✓Redeem Miles through the ENBD Voyager portal
Offers and payment options
Quick cashDraw a cash advance of up to 50% of your credit limit (fee of 3.15% of the amount or AED 103.95, whichever is higher); Loan on Card and Advance Loan on Card (ALOC) options are also available upto 90% and you can make payments in installment. Wheather interest rate or only processing fees depends on bank offer.
Balance transferBalance transfer offered on standard ENBD terms, either 0% with a processing fee or interest-bearing
Instalment plan0% and interest-bearing Easy Payment Plans (EPP) are available; 0% IPP carries a processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month), with an early-settlement fee of 1.05%
Voyager World Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% p.a. (3.69% per month) |
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| Cash advance fee | 3.15% of cash advance amount or AED 103.95, whichever is higher |
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| Late payment fee | AED 241.50 per month |
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| Over-limit fee | AED 292.95 per month |
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| Foreign currency fee | 1.99% currency conversion fee (plus approx. 1.15% network processing fee) |
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| Minimum payment | 5% of total payment due or AED 100, whichever is higher |
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| Interest-free period | 25 to 55 days from the transaction date |
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| Card replacement fee | AED 21.00 (AED 52.50 for Go4it cards) |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
This card suits travellers who want a no-fee miles card with strong travel-portal earning.
What works well
- ✓Lifetime free with no annual fee
- ✓6x Miles on Voyager-portal travel bookings
- ✓Complimentary lounge access and golf privileges
What to weigh up
- −Base and non-travel spends earn only 1 mile per AED
- −Everyday categories earn a reduced rate
Voyager World Credit Card eligibility
Minimum salary of AED 12,000 per month; UAE resident aged 21 or over with a valid Emirates ID
▤Emirates ID▤Passport▤Salary certificate or last 3 months payslips▤bank statements (last 3-6 months) may be required
Voyager World Credit Card FAQs
Minimum salary of AED 12,000 per month; UAE resident aged 21 or over with a valid Emirates ID
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
Earn 6 Voyager Miles per AED 1 on the Voyager travel portal, 3 Miles per AED 1 on other travel, and 0.5 Voyager Mile per AED 1 on base retail
This card suits travellers who want a no-fee miles card with strong travel-portal earning.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
