Go4it Platinum Credit Card review
The standout feature is the built-in Nol chip, which lets the card double as transport payment for RTA metro, buses and parking, complete with Nol and Salik auto top-up. On the rewards side, weekend spending earns an accelerated 5 Plus Points for every AED 200, while weekdays earn at the standard rate, and points are redeemable for cashback, travel or gift cards.
Everyday perks round out the package, including buy-one-get-one movie benefits and free rides on the Dubai Ferry. A 1.99% foreign currency fee applies on overseas spending.
With no annual fee and a AED 12,000 salary requirement, its value lands squarely with Dubai commuters who rely on RTA transport and want their card and Nol in one.
Card details
| Bank | Emirates NBD |
|---|
| Card type | Lifestyle |
|---|
| Card network | Visa |
|---|
| Co-brand | RTA |
|---|
| Minimum salary | AED 12,000 |
|---|
| Annual fee | Free for life |
|---|
| Fee waiver | Free with no annual fee |
|---|
| Interest (monthly) | 3.69% |
|---|
| Reward type | Plus Points |
|---|
| Reward rate | 5 Plus Points for every AED 200 spent on weekends, with standard Plus Points on weekday spendsWeekend spending earns at an accelerated rate; the card carries a built-in Nol chip for RTA transport with Nol and Salik auto top-up An RTA co-brand with a built-in Nol chip; Plus Points can be redeemed for cashback, travel or gift cards; buy-one-get-one movie benefits are included; a 1.99% foreign currency transaction fee applies |
|---|
| 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. |
|---|
| Balance transfer | Balance transfers on standard Emirates NBD terms, either 0% with a processing fee or interest-bearing |
|---|
| Instalment plan | 0% and interest-bearing Easy Payment Plans (EPP) are offered; the 0% IPP carries a processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month); early settlement fee 1.05% |
|---|
Go4it Platinum Credit Card benefits
✓5 Plus Points for every AED 200 spent on weekends
✓Built-in Nol chip for RTA metro, bus and parking
✓Buy-one-get-one movie benefits
✓Free rides on Dubai Ferry
✓No annual fee
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 transfers on standard Emirates NBD terms, either 0% with a processing fee or interest-bearing
Instalment plan0% and interest-bearing Easy Payment Plans (EPP) are offered; the 0% IPP carries a processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month); early settlement fee 1.05%
Go4it Platinum Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% p.a. |
|---|
| Cash advance fee | 3.15% of cash advance amount or AED 103.95 whichever is higher (max cash advance 50% of card limit) |
|---|
| Late payment fee | AED 241.50 per month |
|---|
| Over-limit fee | AED 292.95 per month |
|---|
| Foreign currency fee | 1.99% currency conversion fee (plus ~1.15% Visa/MC processing) |
|---|
| Minimum payment | 5% of total payment due or AED 100, whichever is higher (plus installments/insurance/overdue/overlimit in full) |
|---|
| Interest-free period | Up to 55 days (25 to 55 days from transaction date) |
|---|
| Card replacement fee | AED 52.50 (Go4it cards) |
|---|
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 is best for Dubai commuters who use RTA transport and want a free Nol-enabled card.
What works well
- ✓No annual fee
- ✓Built-in Nol chip for metro, bus and parking
- ✓Weekend bonus points plus buy-one-get-one movies
What to weigh up
- −Modest overall rewards rate
- −Best value is concentrated among Dubai commuters
Go4it Platinum Credit Card eligibility
Open to UAE residents aged 21 and over earning at least AED 12,000 a month; an Emirates ID is required
▤Emirates ID▤Passport▤Salary certificate or last 3 months payslips▤bank statements (last 3-6 months) may be required
Go4it Platinum Credit Card FAQs
Open to UAE residents aged 21 and over earning at least AED 12,000 a month; an Emirates ID is 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.
5 Plus Points for every AED 200 spent on weekends, with standard Plus Points on weekday spends
This card is best for Dubai commuters who use RTA transport and want a free Nol-enabled card.
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.
