Voyager World Elite Credit Card review
At the heart of this Mastercard is its travel-focused earning engine: you collect 12 Voyager Miles for every AED 1 spent through the Voyager travel portal, 6 Miles per AED 1 on other travel and 1 Voyager Mile per AED 1 on base retail. Everyday categories scale down, with grocery, supermarkets, fast-food, insurance, car dealerships and EU/UK spends earning 25% of base and fuel, transit, government, utilities, real estate, education, charity and telecom earning 10% of base.
New cardholders can bank a 150,000 Voyager Mile welcome bonus after spending AED 70,000 within three months of issuance in the first year. Miles are redeemed through the ENBD Voyager portal for flights, hotels and wider travel bookings.
Beyond miles, the card leans into premium travel, offering complimentary access to more than 1,000 airport lounges worldwide, meet & greet and concierge support, plus a reduced 3.25% monthly interest tier. It is best suited to high-spending travellers who route bookings through the Voyager portal and value airport comfort.
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 25,000 |
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| Annual fee | AED 1,575 |
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| Fee waiver | First year free; AED 1,575 (incl. VAT) from second year onwards. Joining fee NIL |
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| Interest (monthly) | 3.25% |
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| Reward type | Voyager Miles |
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| Reward rate | Earn 12 Voyager Miles per AED 1 on the Voyager travel portal, 6 Miles per AED 1 on other travel, and 1 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 (0.25 mile per AED). Fuel, transit, government, utilities, real estate, education, charity and telecom earn 10% of base (0.1 mile per AED) Redeem Voyager Miles through the ENBD Voyager portal for flights, hotels and travel. Foreign currency transaction fee is 1.99% |
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| Welcome bonus | 150,000 Voyager Miles when you spend AED 70,000 within 3 months of issuance (first year only)Voyager World Elite cardholders only | Spend AED 70,000 within 3 months of issuance (first 3 billing statements) | Miles credited to Voyager Miles account after reaching spend amount | Rewards capped up to 200,000 Voyager Miles per statement |
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| Lounge access | Complimentary access to 1,000+ airport lounges worldwide |
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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: 150,000 Voyager Miles when you spend AED 70,000 within 3 months of issuance (first year only)
Terms: Voyager World Elite cardholders only | Spend AED 70,000 within 3 months of issuance (first 3 billing statements) | Miles credited to Voyager Miles account after reaching spend amount | Rewards capped up to 200,000 Voyager Miles per statement
Voyager World Elite Credit Card benefits
✓150,000 Voyager Miles welcome bonus
✓Earn 12 Voyager Miles per AED 1 on portal travel
✓Complimentary access to 1,000+ airport lounges worldwide
✓Airport meet & greet and concierge service
✓Reduced 3.25% monthly interest tier
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 Elite Credit Card fees & charges
| Annual percentage rate (APR) | 39.00% p.a. (3.25% 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 frequent travellers who book through the Voyager portal and want maximum miles alongside premium airport perks.
What works well
- ✓Very high 12x miles on Voyager-portal travel bookings
- ✓Rich premium travel suite spanning lounges, meet & greet and concierge
- ✓Reduced 3.25% monthly interest tier
What to weigh up
- −Steep AED 25,000 minimum salary requirement
- −Base and non-travel spends earn just 1 mile per AED
- −Everyday grocery, fuel and utility spends earn a reduced rate
Voyager World Elite Credit Card eligibility
Minimum salary of AED 25,000 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 Elite Credit Card FAQs
Minimum salary of AED 25,000 per month; UAE resident aged 21 or over with a valid Emirates ID
The listed annual fee is AED 1,575. First year free; AED 1,575 (incl. VAT) from second year onwards. Joining fee NIL
Earn 12 Voyager Miles per AED 1 on the Voyager travel portal, 6 Miles per AED 1 on other travel, and 1 Voyager Mile per AED 1 on base retail
This card suits frequent travellers who book through the Voyager portal and want maximum miles alongside premium airport perks.
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.
