ENBD Go4it Platinum Credit Card

Yes. The published fee schedule lists a joining fee of AED 208.95 and an annual fee of AED 208.95. There's also a monthly purchase rate of 3.69% (44.28% per annum) if you carry a balance. No fee-waiver terms are listed in the fee schedule for this card.

You need a minimum monthly salary of AED 12,000 and must be at least 21 years old. Emirates NBD may also request UAE residency documents as part of the application — Emirates ID, passport copy, salary certificate or bank statements, and a security cheque.

RTA and transportation spend earns a flat 4 Plus Points per AED 200, a 2% effective rate. All other spend earns 1 Plus Point per AED 200 on weekdays (0.5% effective), rising to 5 Plus Points per AED 200 on weekends (about 2.5% effective) — though this weekend uplift isn't reflected in Kredit's calculator.

The card has a built-in Nol chip at Gold class, so you can tap it directly on Dubai Metro, buses, the water bus and parking meters instead of carrying a separate Nol card. This sits alongside the card's own RTA spend earning of 4 Plus Points per AED 200.

Cardholders get buy-one-get-one-free movie tickets at VOX Cinemas, up to 3 tickets a month, plus 25% off cinema food and beverages. The offer requires a minimum of AED 5,000 in card spend during the month you want to use it.

The card gives up to 50% off at more than 500 fitness and wellness venues — spas, medical and wellness centres, gyms and salons — plus up to 30% off dining at participating restaurants. It also includes a free Dubai Ferry ride for the cardholder plus one guest on selected routes and days.