Voyager World Credit Card

No salary transfer needed

Min. salary

AED 12,000

Annual fee

AED 315

Monthly rate

3.69%

Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.

54.5%

Product page advertises 'Joining fees NIL / Annual fees: Free For Life'; Service and Price Guide (Feb 2026) and KFS (05/2026) still list an AED 315 renewal fee

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01Fees & rates

What it costs.

Annual fee: AED 315
Fee note: Product page advertises 'Joining fees NIL / Annual fees: Free For Life'; Service and Price Guide (Feb 2026) and KFS (05/2026) still list an AED 315 renewal fee
Monthly rate: 3.69%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.: 54.5%
Minimum salary: AED 12,000
Salary transfer: Not required

Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.

02Rewards & perks

What you get.

Welcome offer: 75,000 Voyager Miles on AED 35,000 spend within the first 3 billing statements
Earn 6 Voyager Miles per AED 1 on the Voyager Travel Portal; 3 Miles per AED 1 on all other travel bookings; 0.5 Miles per AED 1 on retail
Complimentary access to 1,000+ airport lounges worldwide via Mastercard Travel Pass
Complimentary travel visa appointment and processing via OneVasco
Complimentary airport transfers within Dubai and Abu Dhabi city limits plus select international destinations
Complimentary golf at select UAE courses
Voyager Miles transferable to partner airlines and hotels; redeem for flights and hotel stays
Movie, dining and Abu Dhabi valet parking offers (bank estimates AED 4,020 annual lifestyle savings)

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Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.