Restaurants
Merchant
31 Bar & Lounge
20% off on total bill
Valid until 31 Jul 2026
ENBD Go4it Gold Credit Card
An entry-level lifestyle and transit Visa card with a built-in Nol chip, earning Plus Points on weekend and RTA spend. Also includes dining, wellness and Dubai Ferry perks.
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 6,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. ENBD Go4it Gold Credit Card expects AED 6,000+ monthly income.
Documents ready
Emirates ID and passport with residence visa on hand. For salaried applicants at listed employers, income is usually verified automatically during the application.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
Welcome offer
AED 200 Voucher
AED 200 YouGotaGift voucher
Gift voucher of AED 200 from YouGotaGift, requiring AED 500 spend in the first billing cycle.
See full breakdownRewards
4ENBD Plus Points
per AED 400 on RTA spend.
Earn 4 Plus Points per AED 400 spent on RTA services (1% effective).
1ENBD Plus Points
per AED 400 on all other spend.
Base earn on other spend, at a conservative 0.25% modelled rate. Weekend spend earns more (5 Plus Points per AED 400, ~1.25%), though bonus and RTA rates vary and aren't fully published.
See full breakdownRewards Calculator
July Spotlight
Citibank
Three Citibank credit cards spanning everyday value to ultra-premium — the Citi Cashback card earns 3% back on international spend and 2% on groceries with no fee in the first year, the Citi Prestige adds unlimited airport lounge access and a complimentary fourth hotel night, and the invitation-only Citi Ultima carries Citi's top-tier travel and concierge privileges.
CITIBANK
Citi Cashback Credit Card
Salary: AED 8,000+
No Annual Fee for the first year
3% Cashback on non-AED spends
2% Cashback on grocery/supermarket spends
1% Cashback on all other spend
CITIBANK
Citi Prestige Credit Card
Salary: AED 30,000+
Annual Fee: AED 1,500
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
CITIBANK
Citi Ultima Credit Card
Salary: AED 36,750
Annual Fee: AED 3,000
30,000 bonus miles annually post payment of annual fee
5 Miles on non-AED spends
2.5 Miles on AED spends
Offers
See all 829View offer
Restaurants
Merchant
360 restaurant
20% off on total bill
Valid until 31 Jul 2026
Restaurants
Merchant
90 Centigrade Café
20% off on total bill
Valid until 31 Jul 2026
Restaurants
Merchant
Al Dana
20% off on total bill
Valid until 31 Jul 2026
Additional Benefits
Bon Appétit, LiveWell & GoodTimes
Average 15% savings on dining
Average 15% savings on dining spend of AED 5,000 per year at partner outlets via Bon Appétit, LiveWell and GoodTimes programmes.
Hotel & Restaurant Offers
Up to 25% off stays, 20% off dining
Exclusive Visa offers at hotels and resorts — up to 25% off stays and 20% off participating restaurants.
Dubai Ferry
Free economy class rides
Free rides on Dubai Ferry (Economy Class), illustrated at 4 rides per year.
Nol Chip Integration
Use your card as a Nol Card
Built-in Nol chip for RTA Parking Meters, Metro (regular cabin), Bus and Waterbus, with Nol and Salik auto top-up.
See full breakdownEligibility
21
Minimum Age
6,000AED
Minimum Income
UAE residency documents
Emirates NBD may request Emirates ID, passport copy, salary certificate or bank statements, and a security cheque.
Fees
103.95AED
Joining Fee
103.95AED
Annual Fee
3.69%
Monthly Purchase Rate
3.69% per month (44.28% per annum).
Late Payment FeeAED 241.5*
*Charged per month if the minimum payment due is not received in full by the payment due date.
Over Limit FeeAED 292.95*
*Charged once during each billing cycle when the current balance exceeds the credit limit.
Cash Advance Fee3.15%*
*3.15% of the cash advance amount or AED 103.95, whichever is higher.
Installment ProcessingAED 51.45*
*Charged per transaction.
Installment Pre-closure1.05%*
*1.05% of principal outstanding.
International Transaction Fee (non-AED)1.99%*
*Bank currency conversion fee; network processing fees may also apply.
Foreign Currency Transaction Fee (AED abroad)1.99%*
*Applies when settling foreign currency transactions in UAE dirhams overseas.
Direct Debit Return FeeAED 105*
*Charged for returned cheque or direct debit handling.
Credit Shield Pro0.99%*
*Monthly premium on the credit card outstanding balance when enrolled.
Important Stuff
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