Go4It Gold Credit Card
No salary transfer needed
Exclusive current offer: No Annual Fees (product-page promo; standard AED 103.95 per price guide)
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 103.95
- Fee note
- Exclusive current offer: No Annual Fees (product-page promo; standard AED 103.95 per price guide)
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 5,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
What you get.
- Built-in RTA Nol functionality: pay for Dubai Metro (Regular class), buses, water bus and RTA parking meters with the card; eligible for RTA monthly pass
- Plus Points: 5 points per AED 400 spent on weekends, 4 points per AED 400 on RTA, 1 point per AED 400 on weekdays (earning cap per statement applies)
- Convert Plus Points to frequent flyer miles or cashback; instant redemption at key merchants
- Free Dubai Ferry rides for cardholder + 1 guest (scheduled Saturday sailings)
- Complimentary life insurance cover of up to AED 75,000
- 0% Easy Payment Plans at select merchant outlets
- Utility bill payments facility
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.