Check with the club you are going to play, they will most likely have a dress code. The dress code will most likely say that yes, you will have to wear a collared shirt, but it does not have to be white. Mock neck shirts have become popular in recent years, but some Golf clubs still do not allow them to be worn.
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It's just the accepted dress code for golf, it adds a touch of class. The majority of clubs will not let someone without a collared shirt play, an indication that a club or course is substandard is if they let players play without collared shirts.
Different golf clubs have different rules, but the majority of golf clubs do have a strict dress code.