Emirates NBD Voyager World Elite
Earn up to 150,000 Voyager Miles
at Emirates NBD's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"This is the UAE travel card to beat on earn rates — 12x through the Voyager portal is unmatched — and the perks genuinely cover the whole trip, from the visa appointment to the ride home. Just be honest about year two: if you won't spend enough on travel to out-earn 1,575, the free-for-life Voyager World keeps most of the DNA at no cost."
Earning and redeeming Voyager Miles
Voyager Miles accrue on every purchase, but the engine room is the Voyager Travel Portal: 12 miles per 1 on flights and hotels booked there, 6 miles per 1 on travel booked anywhere else, and 1 mile per 1 on everyday retail. Watch the reduced categories — groceries, supermarkets, insurance, fast food and EU/UK spend earn 25% of the base rate, while fuel, utilities, government services, education, real estate, charity and telecom earn just 10%.
Redemption happens inside ENBD X: tap your miles balance to open the portal, then book flights or hotels, or transfer miles to partner airlines and hotels. The bank's own value chart estimates over 1,000,000 miles and 7,566 in travel savings for a heavy-spending first year — treat those as marketing assumptions, not guarantees.
Rates and fees
- Annual fee
- 0 first year, then 1,575 from year two (incl. VAT)
- Joining fee
- None
- Welcome offer
- Up to 150,000 Voyager Miles on 70,000 spend within the first 3 billing statements (first year only)
- Interest rate
- 3.25% per month (39% p.a.) on unpaid balances
- Interest-free period
- 25–55 days when the full balance is paid
- Minimum salary
- 25,000 per month
- Foreign transaction fee
- 1.99% bank fee plus ~1.15% network processing fee on non- spend
- Cash advance fee
- 3.15% of the amount (minimum 103.95)
- Late payment fee
- 241.50 per month
- Card network
- Mastercard World Elite
Rates verified against Emirates NBD's Key Facts Statement (08/2026) and credit-card price guide (Feb 2026), both VAT-inclusive. Always confirm on the issuer's site before applying.
Card benefits
Unlimited lounge access
Unlimited complimentary entry for the cardholder at more than 1,000 airport lounges worldwide.
Door-to-door airport perks
Complimentary domestic and international airport transfers, international meet & greet at select airports, and 3 immigration fast-track services a year.
OneVasco visa service
Complimentary travel-visa appointment and end-to-end processing, valued by the bank at 2,600 a year.
Complimentary golf
Free rounds at select golf courses across the UAE — the bank values this at 7,200 a year.
Travel insurance
Travel insurance included, with a Mastercard travel-insurance confirmation letter available on request.
World Elite concierge
24/7 Mastercard concierge plus partner privileges: Avis, Hertz Gold Plus Five Star, Farfetch, Booking.com and Careem airport transfers.
Pros and cons
- Huge earn rate: 12 miles per 1 on the Voyager portal, 6 on other travel
- Up to 150,000 Voyager Miles welcome bonus on 70,000 spend
- Unlimited lounge access plus airport transfers, meet & greet and 3 fast-track passes a year
- First-year annual fee waived ( 1,575 value)
- Lower 3.25% monthly interest rate than most ENBD cards
- 1,575 annual fee from year two
- 25,000 minimum salary shuts out most applicants
- Base retail earn is just 1 mile per 1 — and groceries, fuel, utilities and EU/UK spend earn only 10–25% of that
- 1.99% foreign-transaction fee plus a ~1.15% network fee on non- spend
- Top rates require booking through the bank's own Voyager Travel Portal
Is it right for you?
Get this card if
- You earn 25,000+ a month and travel several times a year.
- You're happy booking flights and hotels through the Voyager Travel Portal to capture the 12x rate.
- You'll actually use lounges, airport transfers, fast-track and the visa service — that's where the fee pays back.
Consider skipping it if
- Your spend is mostly groceries, fuel and utilities — those earn 10–25% of an already modest base rate.
- You won't out-earn the 1,575 renewal fee; the free-for-life Voyager World keeps half the earn rates at zero cost.
- You carry a balance — 3.25% a month erases any miles value fast.
Alternatives to consider
Free for life with half the portal earn rate and a 75,000-mile welcome offer — the low-commitment way into Voyager Miles.
Best Voyager Miles cards →
Miles land straight in your Skywards account with Silver tier thrown in — better if your loyalty already lives with Emirates.
Best Emirates Skywards cards →
Bonvoy points, elite nights and a free-night award — stronger if your travel budget goes to stays, not flights.
Best hotel loyalty cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
What is the welcome offer on the Voyager World Elite card?+
Earn up to 150,000 Voyager Miles when you spend AED 70,000 within the first 3 billing statements. The offer applies to the first year only.
What is the minimum salary for the Voyager World Elite card?+
You need a minimum monthly salary of AED 25,000 to apply.
Is the Voyager World Elite card free?+
There is no joining fee and the first year is free. From the second year onwards the annual fee is AED 1,575 (inclusive of VAT).
How many Voyager Miles do I earn per dirham?+
12 Voyager Miles per AED 1 on the Voyager Travel Portal, 6 miles per AED 1 on all other travel bookings, and 1 mile per AED 1 on retail spend. Categories like groceries, fuel, utilities and EU/UK transactions earn a reduced fraction of the base rate.
Does the card include airport lounge access?+
Yes — unlimited complimentary access to more than 1,000 airport lounges worldwide.
How do I redeem Voyager Miles?+
Log in to ENBD X, select your Voyager card and tap your miles balance to open the Voyager Travel Portal, where you can book flights and hotels or transfer miles to partner airlines and hotels.
What travel services come with the card?+
Complimentary visa appointment and processing via OneVasco, domestic and international airport transfers, international meet & greet at select airports, and 3 complimentary immigration fast-track services per year.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.