Go4it Platinum Credit Card Review
Emirates NBD’s Go4it Platinum Credit Card is designed to offer a blend of convenience, rewards, and exclusive benefits tailored for individuals with a dynamic lifestyle. With its built-in transit chip and numerous perks, the Go4it Platinum stands out as a versatile financial tool.
Key Features and Benefits
Integrated Transit Chip
One of the standout features of the Go4it Platinum Credit Card is its built-in transit chip, which allows cardholders to use the card as an RTA Nol card. This feature facilitates seamless fare payments across Dubai’s extensive public transport network, including the Dubai Metro, buses, RTA parking meters, and water buses. Cardholders can also access Gold Class on the Dubai Metro, enhancing their commuting experience.
Reward Points System
The Go4it Platinum Credit Card offers a robust rewards system where cardholders earn Plus Points on various spends:
- Spend 200 dirhams on weekends and score 5 points!
- And if you spend 200 dirhams on stuff like buses and metro rides, you get 4 points.
- You get 1 point for every 200 dirhams you spend on weekdays.
These Plus Points can be instantly redeemed at key merchant outlets or converted into Frequent Flyer Miles or cashback, providing flexibility and tangible rewards for everyday spending.
Entertainment and Lifestyle Perks
The Go4it Platinum Credit Card caters to entertainment enthusiasts with its attractive offers:
- When you buy a ticket at Reel Cinemas, you get another one for free!
- Free rides on the Dubai Ferry, allowing cardholders to enjoy scenic views of Dubai’s landmarks.
Moreover, cardholders enjoy discounts of up to 20% on entertainment at Emaar Entertainment Group venues, including The Dubai Underwater Zoo, Kidzania, and Dubai Ice Rink.
Financial Flexibility
The card supports 0% Easy Payment Plans at select merchant outlets, enabling cardholders to shop for electronics, jewelry, home décor, travel, and entertainment tickets and pay in installments of 3, 6, 12, or 24 months without interest. This feature is particularly useful for managing large purchases without straining one’s budget.
Comprehensive Security and Insurance
Emirates NBD ensures cardholders’ peace of mind with extensive security and insurance benefits:
- You get free life insurance that covers up to 100,000 dirhams!
- Credit Shield Pro, which offers coverage for up to AED 300,000 in case of death, AED 100 per day for hospitalization, and up to AED 60,000 for job loss for up to 12 months or until re-employment.
The card also includes purchase protection, extended warranty, fraudulent card misuse protection, and multi-trip travel insurance, enhancing the safety and security of cardholders’ financial transactions.
Contactless and Mobile Payments
The Go4it Platinum Credit Card supports various contactless payment methods, including Apple Pay, Samsung Pay, GPay, Fitbit Pay, and Garmin Pay, ensuring secure and convenient cashless transactions.
Eligibility and Fees
To qualify for the Go4it Platinum Credit Card, applicants must meet the following criteria:
- Minimum salary requirement: AED 12,000.
- Age range: 21-63 years.
Currently, the card offers a promotion with no annual fees, making it an attractive option for those looking to maximize benefits without incurring additional costs.
Additional Benefits
Cardholders also benefit from various financial and lifestyle perks provided by Emirates NBD and Visa, such as airport dining discounts, Avis car rental deals, and global customer assistance services. The card offers flexibility in payments with interest-free days, instant cash withdrawal, and flexible payment options, alongside 24-hour assistance and SMS alerts for added security.
Pros and Cons of the Go4it Platinum Credit Card
Pros:
- Get 5 points when you spend 200 dirhams on weekends.
- Get 4 points when you spend 200 dirhams on buses and metro.
- Use the card as a Nol card for easy travel.
- Buy a movie ticket and get another one free at Reel Cinemas.
- Ride the Dubai Ferry for free.
- No yearly fee right now.
- Shop now, pay later with 0% interest.
- Free life insurance up to 100,000 dirhams.
- Discounts on fun stuff and food.
- You can use it with Apple Pay, Samsung Pay, and other cool payment apps.
Cons:
- Need to earn at least 12,000 dirhams a month.
- You can’t earn unlimited points; there’s a cap on them.
- Only some places let you use points.
- Mostly for entertainment and travel perks.
- Must be between 21-63 years old to apply.
How does the Go4it Platinum Credit Card compare to Rivals?
| Feature | Go4it Platinum (UAE) | Super Saver Card (UAE) | Fun Plus Card (UAE) |
|---|---|---|---|
| Points on Weekends | 5 points for every 200 dirhams | 4 points for every 200 dirhams | 3 points for every 200 dirhams |
| Points on Public Transport | 4 points for every 200 dirhams | 3 points for every 200 dirhams | 2 points for every 200 dirhams |
| Built-in Transit Chip | Yes | No | Yes |
| Free Movie Tickets | Buy one, get one free | 50% off tickets | Buy one, get one free |
| Free Ferry Rides | Yes | No | No |
| Annual Fee | None (current offer) | 200 dirhams | 150 dirhams |
| Easy Payment Plans | Yes, no interest | Yes, low interest | Yes, low interest |
| Life Insurance | Free up to 100,000 dirhams | No | Yes, up to 50,000 dirhams |
| Entertainment Discounts | Up to 20% off | Up to 10% off | Up to 15% off |
| Contactless Payment Support | Apple Pay, Samsung Pay, and more | Apple Pay and Google Pay | Apple Pay, Samsung Pay, and more |
| Minimum Salary Requirement | 12,000 dirhams | 10,000 dirhams | 8,000 dirhams |
Summary
The Go4it Platinum Credit Card is pretty cool because you get lots of points for spending on weekends and using public transport. Plus, you can use it as a Nol card, which makes it super handy for getting around Dubai. You also get awesome perks like buy-one-get-one-free movie tickets and free rides on the Dubai Ferry. And right now, there’s no annual fee, which is great!
Compared to other cards like the Super Saver Card and the Fun Plus Card, the Go4it Platinum offers more points for weekend spending and has the unique feature of the built-in transit chip. However, it does have a higher minimum salary requirement and there’s a cap on the points you can earn. If you can meet the salary requirement, this card gives you a lot of bang for your buck with its travel and entertainment perks!
Conclusion
The Go4it Platinum Credit Card from Emirates NBD is a comprehensive credit card solution designed for individuals seeking convenience, rewards, and exclusive benefits. Its integration with Dubai’s public transport system, robust rewards program, entertainment perks, financial flexibility, and extensive security features make it an ideal choice for those with an active and vibrant lifestyle. Whether for daily commuting, shopping, or leisure, the Go4it Platinum Credit Card offers a versatile and rewarding financial experience.