Go4it Gold Credit Card review
Designed around city living, the Go4it Gold rewards your weekend habits by giving you 5 Plus Points for every AED 400 you spend, while weekday purchases continue to earn Plus Points at the standard rate. Those points are flexible, so you can redeem them for cashback, travel or gift cards whenever they add up.
Where this card stands out is its integrated Nol chip, letting you tap through RTA transport without carrying a separate card, along with free rides on the Dubai Ferry and complimentary life insurance cover. Add a 1.99% foreign currency transaction fee and no annual fee at all, and it becomes a practical entry-level pick.
The Go4it Gold is best suited to Dubai residents who commute regularly and want a no-cost card that blends transport access with modest, easy-to-earn rewards.
Card details
| Bank | Emirates NBD |
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| Card type | Lifestyle |
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| Card network | Visa |
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| Co-brand | RTA |
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| Minimum salary | AED 5,000 |
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| Annual fee | Free for life |
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| Fee waiver | Free with no annual fee |
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| Interest (monthly) | 3.69% |
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| Reward type | Plus Points |
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| Reward rate | Earn 5 Plus Points for every AED 400 spent on weekends, plus standard Plus Points on weekday purchasesAccelerated earning on weekend spends, with a built-in Nol chip for RTA transport RTA co-branded card with an integrated Nol chip; free rides on the Dubai Ferry; free life insurance; Plus Points redeemable for cashback, travel or gift cards; foreign currency transaction fee of 1.99% |
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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 (0% with a processing fee, or interest-bearing) |
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| Instalment plan | 0% and interest-bearing Easy Payment Plans (EPP) available; 0% IPP processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month); early-settlement fee of 1.05% |
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Go4it Gold Credit Card benefits
✓5 Plus Points per AED 400 on weekend spends
✓Built-in Nol chip for seamless RTA transport
✓Free rides on the Dubai Ferry
✓Free life insurance cover
✓Plus Points redeemable for cashback, travel and gift cards
✓No annual fee for life
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 (0% with a processing fee, or interest-bearing)
Instalment plan0% and interest-bearing Easy Payment Plans (EPP) available; 0% IPP processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month); early-settlement fee of 1.05%
Go4it Gold Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% p.a. |
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| Cash advance fee | 3.15% of cash advance amount or AED 103.95 whichever is higher (max cash advance 50% of card limit) |
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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 ~1.15% Visa/MC processing) |
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| Minimum payment | 5% of total payment due or AED 100, whichever is higher (plus installments/insurance/overdue/overlimit in full) |
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| Interest-free period | Up to 55 days (25 to 55 days from transaction date) |
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| Card replacement fee | AED 52.50 (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?
It suits entry-level Dubai commuters who want a free Nol-enabled credit card for everyday transport and spending.
What works well
- ✓No annual fee
- ✓Built-in Nol chip for RTA transport
- ✓Free life insurance and Dubai Ferry rides
What to weigh up
- −Lower weekend earn rate than the Go4it Platinum
- −Modest overall rewards
Go4it Gold Credit Card eligibility
Open to UAE residents aged 21 and above earning a minimum salary of AED 5,000 per month (Emirates ID required)
▤Emirates ID▤Passport▤Salary certificate or last 3 months payslips▤bank statements (last 3-6 months) may be required
Go4it Gold Credit Card FAQs
Open to UAE residents aged 21 and above earning a minimum salary of AED 5,000 per month (Emirates ID required)
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 5 Plus Points for every AED 400 spent on weekends, plus standard Plus Points on weekday purchases
It suits entry-level Dubai commuters who want a free Nol-enabled credit card for everyday transport and spending.
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.
