The comparison covers ENBD Go4It Gold and Emirates Islamic Skywards Black, and explains how 'Gold' fits between Classic and Platinum in card-tier naming.
Best Gold-tier ENBD
EMIRATES NBD
ENBD Go4it Gold Credit Card
≈ AED 972 potential value / year
5 points per AED 400 weekend spend
Use Card as Nol Card.
Free Rides on Dubai Ferry
Best Gold Credit Cards in the UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 103.95 | AED 5,000 | Gold-tier ENBD card with broad rewards, from AED 5,000 salary |
 | AED 733.95 | AED 12,000 | Sharia-compliant Etihad Guest card; Ameera is Emirates Islamic's gold-tier equivalent |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 103.95 | AED 5,000 | Gold-tier ENBD card with broad rewards, from AED 5,000 salary |
| AED 733.95 | AED 12,000 | Sharia-compliant Etihad Guest card; Ameera is Emirates Islamic's gold-tier equivalent |
ENBD Go4it Gold Credit Card
Annual feeAED 103.95
Min. salaryAED 5,000
HighlightGold-tier ENBD card with broad rewards, from AED 5,000 salary
Emirates Islamic Etihad Guest Ameera Credit Card
Annual feeAED 733.95
Min. salaryAED 12,000
HighlightSharia-compliant Etihad Guest card; Ameera is Emirates Islamic's gold-tier equivalent
October Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Why choose Gold Credit Cards in the UAE
1.
'Gold' is a legacy tier name in most UAE banks
Visa and Mastercard's tier ladder runs Classic → Gold → Platinum → Titanium → Signature/World → Infinite/World Elite. Most UAE banks have moved away from explicitly naming cards 'Gold', preferring Platinum and above. Cards still positioned as Gold are usually entry-tier with modest perks.
2.
Step up to Platinum or Titanium for better value
If you're considering a Gold-tier card, also compare the Platinum or Titanium tier at the same issuer — the rewards-rate uplift typically more than offsets the fee difference, especially with welcome offers.
2 cards in the UAE
EMIRATES NBD
ENBD Go4it Gold Credit Card
- Salary: AED 5,000+
- AED 103.95 annual fee
- 5 points per AED 400 weekend spend
- Use Card as Nol Card.
- Free Rides on Dubai Ferry
EMIRATES ISLAMIC
IslamicEmirates Islamic Etihad Guest Ameera Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 733.95
- Welcome Bonus: 20,000 Etihad Guest Miles
- Up to 3 Etihad Guest Miles per USD spent
- Fast-Track to Etihad Silver Status
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000–12,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 5,000–12,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best Gold Credit Cards in the UAE
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