Gold is a card tier above Classic and below Platinum in the Visa/Mastercard hierarchy. In the UAE, most banks have moved beyond Gold-tier naming, preferring Platinum and Titanium. Cards still positioned as Gold are usually entry-tier products with modest rewards rates and limited travel perks.
Best Gold Credit Cards in the UAE
Gold-tier credit cards in the UAE: ENBD Go4It Gold, Emirates Islamic Skywards Black, plus how 'Gold' fits between Classic and Platinum in card-tier naming.
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EMIRATES NBD
ENBD Go4it Gold Credit Card
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 |
|---|---|---|---|
| Paid | AED 5,000 | Gold-tier ENBD card with broad rewards and entry-level salary access |
 | Paid | AED 8,000 | Sharia-compliant Etihad Guest card; Ameera is Emirates Islamic's gold-tier equivalent |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Paid | AED 5,000 | Gold-tier ENBD card with broad rewards and entry-level salary access |
| Paid | AED 8,000 | Sharia-compliant Etihad Guest card; Ameera is Emirates Islamic's gold-tier equivalent |
June Spotlight
Liv by Emirates NBD
Liv by Emirates NBD offers fully digital credit cards designed for everyday spenders and lifestyle-focused users. The lineup covers cashback-led options and Tamayaz travel rewards, giving users flexibility across groceries, dining, travel, and online spending.
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
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
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EMIRATES NBD
ENBD Go4it Gold Credit Card
Salary: AED 5,000+
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)
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