Emirates NBD Go4it Platinum
Tap, ride and earn across Dubai
at Emirates NBD's secure site
See rates & fees.
Rewards rate
The Go4it Platinum earns its keep the moment you tap through a Metro gate — Gold Class access, RTA parking and free ferry rides make it the best transit companion in the UAE. Just don't confuse it with a rewards card: outside weekends and RTA spend, the points are almost decorative.
Earning and redeeming Plus Points
The Go4it Platinum earns Emirates NBD Plus Points at rates keyed to when and where you spend: 5 points per 200 on weekends, 4 points per 200 on RTA transit and just 1 point per 200 on weekday spend. A per-statement earning cap applies, and the bank does not publish the cap amount on the card page.
Redemption is the flexible part: Plus Points can be redeemed instantly at key merchant outlets, converted to frequent flyer miles or turned into cashback. Given the thin weekday earn rate, think of the points as a small rebate on your commute rather than a reason to route spending through this card.
Rates and fees
- Annual fee
- Free under the current offer — 208.95 (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
- 12,000 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 Platinum 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 all of Dubai transit
A built-in Nol chip covers Dubai Metro with Gold Class access, RTA parking meters, buses, water bus stations and RTA monthly passes — no separate transit card needed.
Buy 1 get 1 at VOX Cinemas
Buy one movie ticket and get one free at VOX Cinemas, plus up to 20% off tickets and packages at participating entertainment venues, including 15% off Snow Park.
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 100,000, with optional Credit Shield Pro (1.04% of the outstanding balance per month) adding death, hospitalisation and job-loss cover.
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 (Gold Class), buses, parking meters, water bus and RTA monthly passes
- No annual fee under the bank's current offer
- Buy-1-get-1 movie tickets at VOX Cinemas and free Dubai Ferry rides
- Complimentary life insurance cover up to 100,000
- 0% easy payment plans over 3–24 months at participating merchants
- Weekday earning is negligible — 1 Plus Point per 200 spent
- Plus Points earning is capped per statement, and the bank does not publish the cap amount on the card page
- 12,000 minimum salary is steep for what is essentially a transit-convenience card
- 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 ride Dubai Metro, buses or use RTA parking most days — the Nol chip and Gold Class access are the real product
- You want a no-cost card (under the current fee waiver) with cinema and ferry perks on the side
- You value the 100,000 complimentary life insurance
Consider skipping it if
- You want meaningful rewards on everyday spend — weekday earning is 1 point per 200
- You spend abroad often — 1.99% plus network fees is a mediocre fx deal
- You earn under 12,000 a month — the Go4it Gold offers the same chip at 5,000
Alternatives to consider
The Go4it Gold keeps the built-in Nol chip and free Dubai Ferry rides at a 5,000 minimum salary — you give up Gold Class and the VOX movie offer.
Best no-annual-fee cards →
The LuLu 247 Platinum pays up to 7% back in LuLu Points on daily spend with no minimum spend — a far stronger earner than Go4it's 1 point per 200 on weekdays.
Best grocery cards →
ENBD's Visa Flexi lets you pick the benefits that matter most to you instead of committing to a transit-first package.
Best credit cards overall →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 minimum salary for the Emirates NBD Go4it Platinum card?+
You need a minimum monthly salary of AED 12,000, and applicants must be between 21 and 63 years old.
Does the Go4it Platinum 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 208.95 fee (including VAT), so the waiver is promotional and could change.
Can I use the Go4it Platinum card on the Dubai Metro?+
Yes. The card has a built-in Nol transit chip — you can ride Dubai Metro including Gold Class, pay at RTA parking meters, buses and water bus stations, and load RTA monthly passes onto it.
How do I earn Plus Points with this card?+
You earn 5 Plus Points per AED 200 spent on weekends, 4 Plus Points per AED 200 on RTA spend, and 1 Plus Point per AED 200 on weekdays. A per-statement earning cap applies.
Does the Go4it Platinum card include cinema benefits?+
Yes — buy one ticket and get one free at VOX Cinemas, plus up to 20% off at participating entertainment venues.
What is the foreign transaction fee on this card?+
A 1.99% currency conversion fee applies to transactions outside the UAE, in addition to the network's processing fee of approximately 1.15%.
What interest rate does the Go4it Platinum 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.