ENBD Go4it Gold Credit Card

The ENBD Go4it Gold Credit Card has a built-in Nol chip, so you can use it directly at RTA Parking Meters, on the Metro in the regular cabin, and on Bus and Waterbus services, without carrying a separate Nol card. It also supports Nol and Salik auto top-up. RTA spend on the card earns 4 ENBD Plus Points per AED 400 spent, an effective 1% rate.

The joining fee and annual fee are each AED 103.95. Purchases carry a monthly rate of 3.69% (44.28% per annum). Other charges include a AED 241.5 late payment fee if the minimum due isn't paid in full by the due date, and a cash advance fee of 3.15% of the amount or AED 103.95, whichever is higher.

New cardholders receive a AED 200 YouGotaGift gift voucher after spending AED 500 within their first billing cycle. It's a flat one-time bonus rather than a tiered or category-specific offer.

You earn 4 Plus Points per AED 400 spent on RTA services, an effective 1% rate. All other spend earns 1 Plus Point per AED 400, a conservative modelled 0.25%, while weekend spend earns more at 5 Plus Points per AED 400 (about 1.25%). Beyond these figures, the bonus and RTA rates aren't fully published elsewhere.

You need a minimum salary of AED 6,000, must be at least 21 years old, and must be a UAE resident. Emirates NBD may also request your Emirates ID, a passport copy, a salary certificate or bank statements, and a security cheque as part of the application.

Through the Bon Appétit, LiveWell and GoodTimes programmes, you get average savings of 15% on dining spend of AED 5,000 per year at partner outlets. Visa also offers up to 25% off hotel stays and 20% off participating restaurants. Separately, the card includes free economy-class rides on Dubai Ferry, illustrated at 4 rides per year.