Emirates NBD Go4it Gold
Dubai transit convenience from a 5,000 salary
at Emirates NBD's secure site
See rates & fees.
Rewards rate
At a 5,000 salary the Go4it Gold is one of the easiest ENBD cards to get, and the built-in Nol chip genuinely earns its slot in a commuter's wallet. Treat the Plus Points as a rounding error, though — at 1 point per 400 on weekdays, this is a transit pass with a credit line, not a rewards card.
Earning and redeeming Plus Points
The Go4it Gold earns Emirates NBD Plus Points at exactly half the Platinum's pace: 5 points per 400 on weekends, 4 points per 400 on RTA transit and 1 point per 400 on weekday spend. A per-statement earning cap applies, and the bank does not publish the cap amount on the card page.
Redemption is flexible — points can be redeemed instantly at key merchant outlets, converted to frequent flyer miles or turned into cashback. At these accrual rates the balance builds slowly, so anchor your expectations on the transit chip and the ferry rides, not the points.
Rates and fees
- Annual fee
- Free under the current offer — 103.95 (incl. VAT) listed in the bank's price guide
- Interest rate
- Up to 3.69% per month (44.28% APR); 3.25% per month for UAE Nationals
- Interest-free period
- Up to 55 days when the full balance is paid on time
- Minimum salary
- 5,000 per month, age 21–63
- Foreign transaction fee
- 1.99% currency conversion fee, plus ~1.15% network processing fee
- Cash advance fee
- 3.15% of the amount (minimum 103.95)
- Late payment fee
- 241.50 per month
- Over-limit fee
- 292.95 per month
- Card replacement fee
- 52.50 for Go4it cards ( 21 for other ENBD cards)
- Card network
- Visa Gold with built-in RTA Nol transit chip
Fees include 5% VAT. Verified against Emirates NBD's Credit Card Price Guide (February 2026) and Key Facts Statement (August 2026); the annual-fee waiver is a bank offer that may change.
Card benefits
One card for Dubai transit
A built-in Nol chip covers the Dubai Metro (regular class), RTA parking meters, buses, water bus stations and RTA monthly passes — no separate transit card needed.
Free Dubai Ferry rides
Complimentary rides on the Dubai Ferry — see Dubai's landmarks from the water at no charge.
Life insurance included
Complimentary life insurance cover of up to 75,000, with optional Credit Shield Pro (1.04% of the outstanding balance per month) adding death, hospitalisation and job-loss cover.
Visa lifestyle offers
Listed Visa benefits include buy-one-get-one offers with The Entertainer, airport restaurant discounts, Bon Appétit dining, purchase protection and extended warranty.
Flexible Plus Points
Redeem points instantly at key merchant outlets, convert them to frequent flyer miles, or turn them into cashback.
Pros and cons
- One card for credit and Dubai transit — Metro, buses, parking meters, water bus and RTA monthly passes
- Accessible 5,000 minimum salary
- No annual fee under the bank's current offer
- Free Dubai Ferry rides and complimentary life insurance up to 75,000
- 0% easy payment plans over 3–24 months at participating merchants
- Earn rates are half the Go4it Platinum's — just 1 Plus Point per 400 on weekdays
- No Metro Gold Class access and no VOX cinema offer, unlike the Platinum version
- Plus Points earning is capped per statement, and the bank does not publish the cap amount
- 1.99% foreign transaction fee plus roughly 1.15% network processing on top
- Card replacement costs 52.50 — higher than other ENBD cards because of the transit chip
Is it right for you?
Get this card if
- You commute on Dubai Metro or buses and want your transit card and credit card in one
- You earn around 5,000–12,000 and want a no-cost card under the current fee waiver
- You'd use the free Dubai Ferry rides and the 75,000 life insurance
Consider skipping it if
- You want rewards on spending — 1 Plus Point per 400 on weekdays is near zero
- You qualify for the Go4it Platinum and ride Gold Class — the Platinum doubles the earn rate and adds cinema perks
- You spend abroad often — 1.99% plus network fees adds up
Alternatives to consider
The Go4it Platinum doubles the earn rate, adds Metro Gold Class, VOX buy-1-get-1 and 100,000 life insurance — if you clear the 12,000 salary bar.
The LuLu 247 Titanium pays up to 3.5% back in LuLu Points on daily spend with no minimum spend requirement — a much stronger everyday earner at the same salary level.
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The noon One Visa targets noon and everyday online spending with no annual fee — better suited if your spend lives on apps, not on the Metro.
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Frequently asked questions
What is the minimum salary for the Emirates NBD Go4it Gold card?+
You need a minimum monthly salary of AED 5,000, and applicants must be between 21 and 63 years old.
Does the Go4it Gold card have an annual fee?+
Emirates NBD currently advertises no annual fee as an exclusive offer on this card. The bank's price guide lists an AED 103.95 fee (including VAT), so the waiver is promotional and could change.
Can I use the Go4it Gold card on the Dubai Metro?+
Yes. The card has a built-in Nol transit chip — you can ride the Dubai Metro (regular class), pay at RTA parking meters, buses and water bus stations, and load RTA monthly passes onto it. Gold Class access is reserved for the Go4it Platinum.
How do I earn Plus Points with this card?+
You earn 5 Plus Points per AED 400 spent on weekends, 4 Plus Points per AED 400 on RTA spend, and 1 Plus Point per AED 400 on weekdays. A per-statement earning cap applies.
What is the difference between Go4it Gold and Go4it Platinum?+
The Platinum earns at double the rate (per AED 200 instead of AED 400), adds Metro Gold Class access, a VOX Cinemas buy-1-get-1 offer and AED 100,000 life insurance, but requires a AED 12,000 salary versus AED 5,000 for the Gold.
Does the Go4it Gold card include insurance?+
Yes — complimentary life insurance of up to AED 75,000, and the page lists travel medical insurance among its Visa benefits. Credit Shield Pro is available as an optional paid cover at 1.04% of the outstanding balance per month.
What interest rate does the Go4it Gold card charge?+
Up to 3.69% per month (44.28% APR) on retail purchases and cash advances. UAE Nationals are charged 3.25% per month across all Emirates NBD cards.
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.