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.

Buy one get one free at Reel Cinemas, up to two free tickets per month. Spend at least AED 5,000 on the card in the month you use the benefit or the bank charges the full ticket price.

The card includes a free Dubai Ferry ride for the cardholder plus one guest on selected routes and days.