How to Rent a Car in the Middle East Without a Credit Card?

Renting a car in the Middle East for both residents and visitors is becoming increasingly convenient, and the reliance on credit cards is diminishing. This 2025 guide highlights five effective methods for securing a rental vehicle in the UAE, Saudi Arabia, and Egypt without needing a credit card. Whether you are a male user focused on flexible payment options, a female user prioritizing secure transactions, or a family seeking budget-friendly solutions, these methods cater to a diverse range of needs.

5 Practical Solutions for Credit Card-Free Car Rentals in 2025

1. Debit Card-Friendly Rental Companies

Many leading car rental operators in the Middle East are now accommodating customers who prefer using debit cards. This provides a convenient alternative for those who may not have a credit card or prefer not to use it for security deposits.

Middle Eastern operators accepting debit cards in 2025:

For male users looking for straightforward options, using a debit card linked to their bank account offers ease of payment. Female users will appreciate the security of managing their spending directly from their available funds. Families can benefit from the flexibility this provides, especially when traveling on a budget.

Pro Tip: It is highly recommended to confirm the exact security deposit amounts directly with the rental company, preferably via WhatsApp or a phone call, before visiting their branches. Rental policies and rates can change frequently, especially around peak seasons and local holidays.

2. Cash Deposit Alternatives

For those who prefer not to use cards at all, some rental companies offer the option of a cash deposit. While this might require a larger upfront payment, it can be a viable solution for many.

Egyptian workaround:

In Egypt, some local rental offices provide a specific process for cash rentals, particularly catering to longer-term needs:

1. Visit local offices in major cities like Cairo or Alexandria. It's often best to visit in person to understand the specific terms and conditions.

2. Provide a set of essential documents for verification:

   • A valid National ID card is mandatory to prove your identity and residency.

   • A recent utility bill (electricity, water, or gas) to confirm your current address.

   • A salary slip from the last three months as proof of stable income.

3. Be prepared to pay a cash security deposit, which can be around 20,000 EGP. This amount acts as a guarantee for the rental period.

Caution: It's important to note that this specific workaround might primarily apply to 7-day rentals and may be more commonly available at locations such as Cairo International Airport. Always verify the specifics with the rental agency beforehand. This can be particularly useful for expats or long-term visitors who might not have established credit in Egypt.

3. Prepaid Travel Cards with Car Rental Coverage

Prepaid travel cards are gaining popularity in the GCC region as a secure and convenient way to manage finances while traveling or for everyday use. Some of these cards even offer specific benefits related to car rentals.

2025's best options for GCC residents:

1. Al Rajhi TAWUNIYA Travel Card (Kingdom of Saudi Arabia):

   • This card may require a pre-authorization hold of around 5,000 SAR when renting a car. This hold is typically released once the car is returned in good condition.

   • A significant advantage is that it often includes basic Collision Damage Waiver (CDW) insurance, providing an added layer of financial protection without needing a traditional credit card. This is beneficial for male drivers concerned about potential damages and for female drivers prioritizing safety and security.

2. Emirates NBD Go4it Card (United Arab Emirates):

   • This card offers the convenience of 24/7 Arabic language support, which can be particularly helpful for navigating rental agreements and procedures.

   • Uniquely, it may include coverage for sandstorm damage, a relevant consideration for driving conditions in the UAE, especially for families planning desert excursions.

4. Local Rental Apps with Digital Payments

The rise of local car rental applications has introduced more flexible payment options, often bypassing the need for a traditional credit card altogether. These apps leverage digital payment methods popular in the Middle East.

1. Ekar (UAE Specific):

   • This app, widely used in the UAE, particularly in Dubai, often accepts payments via Apple Pay and Android Pay. This offers a seamless and secure way to pay for rentals using your smartphone.

   • Ekar is known for its short-term rental options, including hourly rentals, making it ideal for quick trips within the city. This can be attractive to male users needing a car for specific errands and female users seeking convenient transportation without long-term commitments.

2. Morni (Saudi Focused):

   • Primarily operating in Saudi Arabia, Morni often integrates with local digital payment platforms like STC Pay. This allows users to pay for their car rentals directly from their STC Pay balance, a popular option among residents.

   • Morni also offers extended rental packages, catering to those needing a car for longer durations, which can be a cost-effective solution for families or expats.

5. Corporate Tie-Ups for Expat Workers

Many expatriate workers in the Middle East can leverage their company's agreements with car rental agencies to secure a vehicle without a personal credit card. This often involves a formal arrangement between the employer and the rental company.

Common 2025 requirements for corporate rentals:

• A formal company guarantee letter, provided on official letterhead and often in both Arabic and English, confirming the employee's status and the company's responsibility.

• Authorization from the company's Human Resources (HR) department, verifying the employee's eligibility for the corporate rental program.

• Proof of employment for a minimum of six months, such as an employment contract or a recent salary certificate, demonstrating job stability.

• A refundable cash deposit, often around 30% of the rental cost, which is returned upon the safe return of the vehicle.

This method is particularly beneficial for expat families relocating to the region, providing a reliable transportation solution while they establish their personal finances.

Climate-Specific Considerations

Sandstorm Protection Policies

Given the prevalence of sandstorms in the Middle East, some rental companies have specific policies and add-ons to address potential damage.

1. Mandatory add-ons in Riyadh (Kingdom of Saudi Arabia): Some rental agencies in Riyadh might include mandatory charges for:

   • Air filter replacement after the rental period (approximately 300 SAR) to ensure the next renter has a clean air intake.

   • Interior deep cleaning (around 450 SAR) to remove any sand or dust that may have entered the vehicle during the rental.

2. Abu Dhabi's new regulation (United Arab Emirates): As of 2025, there might be a regulation in Abu Dhabi capping the deductible for sand damage at a maximum of 1,000 AED. This provides renters with more predictable costs in case of sand-related issues.

These considerations are important for all users, especially male drivers who might venture into desert areas and families concerned about the cleanliness and maintenance of the rental vehicle.

Cultural Compliance Checklist

Car rental companies in the Middle East are increasingly catering to the cultural sensitivities of their diverse clientele.

1. Gender-neutral options:

   • Some branches, such as those in popular shopping destinations like Dubai Mall, may offer women-only counters to provide a more comfortable and private service experience for female customers.

   • In cities like Jeddah, some rental agencies might have specific female driver packages, potentially offering additional support or services tailored to their needs.

2. Prayer time flexibility:

   • During the holy month of Ramadan, rental companies may offer extended grace periods for vehicle returns to accommodate prayer times and changes in daily schedules.

   • Some rental vehicles might come equipped with Quran navigation apps, assisting drivers with finding the direction of Qibla and nearby mosques.

These initiatives demonstrate an understanding of the local culture and cater to the specific needs of both male and female users.

Step-by-Step Rental Process

Regardless of the payment method, the general car rental process in the Middle East typically involves these steps:

1. Document preparation: Ensure you have the necessary documents ready:

   • A valid driving license from a GCC country or an international driving permit along with your original license.

   • A copy of your passport for identification purposes.

   • A local SIM card number for communication with the rental agency.

2. Payment workflow: The payment process varies depending on the method used:

   • [Debit Card]: The rental company will likely put a temporary hold on your debit card for the security deposit amount.

   • [Temporary Hold]: This amount will be unavailable in your account until the car is returned.

   • [Final Charge]: The actual rental fee will be deducted upon the return of the vehicle.

   • [Hold Release in 7 Days]: The security deposit hold is typically released within 7 days after the car is returned, provided there are no damages or outstanding charges.

2025 Update: A new law in Saudi Arabia mandates that security deposit refunds must be processed within 72 hours, improving the customer experience.

Insurance Options Without Credit Card

Even without a credit card, it is crucial to consider insurance options to protect yourself from unforeseen circumstances.

Essential 2025 coverage types:

• Collision Damage Waiver (CDW): This covers damages to the rental vehicle in case of an accident.

• Sand Particle Protection (SPP): Specifically important in the Middle East, this covers damages caused by sandstorms, such as paint damage or engine issues due to sand ingress.

• Emergency AC Repair Cover: Given the extreme heat, having coverage for air conditioning repairs can be a significant comfort and prevent unexpected costs, especially for families traveling during summer.

Cost Saver: When renting for an extended period, inquire about weekly or monthly rental packages, as these often offer better rates on insurance and the overall rental cost compared to daily rates.

Regional Comparison Table

This table provides a general comparison of key factors across the UAE, Saudi Arabia, and Egypt when renting a car without a credit card.

Pro Tips for Summer Rentals

Renting a car during the hot summer months in the Middle East requires extra attention to ensure a comfortable and safe experience.

1. Always test the AC before departure: Ensure the air conditioning is working effectively before you leave the rental location. This is crucial for a comfortable drive in the intense heat.

2. Choose lighter-colored vehicles: Lighter-colored cars absorb less heat, making the interior cooler. If possible, request a white or silver vehicle.

3. Verify coolant replacement dates: Check with the rental agency when the vehicle's coolant was last replaced to prevent overheating issues, especially during long drives.

4. Pre-book shaded parking slots: If you know where you will be parking, try to pre-book shaded parking slots to keep the car cool and protect it from the sun.

Remember: Many car rental companies in the region now accept popular local payment methods for security deposits, such as Sadad in Saudi Arabia and Fawry in Egypt, offering even more convenience for customers without credit cards.

Common Questions (FAQ)

Q1: Is it generally more expensive to rent a car with a debit card compared to a credit card in Dubai?
A1: In Dubai, while the base rental cost might be similar, using a debit card often involves a larger security deposit compared to a credit card. This is because credit cards offer the rental company more security. Always compare the total cost, including the deposit, before making a decision.

Q2: What are the typical documents required for an expat to rent a car with a cash deposit in Riyadh?
A2: For an expat in Riyadh looking to rent with a cash deposit, typical requirements include a copy of their Iqama (residency permit), a copy of their passport, a valid Saudi Arabian driver's license, and sometimes a letter from their employer. The specific requirements can vary between rental companies, so it's best to check with them directly.

Q3: Can tourists rent a car in Cairo using only a foreign debit card?
A3: While some international car rental companies operating in Cairo might accept foreign debit cards, it's less common than using a credit card. Tourists are more likely to be required to provide a credit card for security or may need to opt for a cash deposit. It's advisable to confirm the payment policy with the specific rental agency before booking.

Q4: Are there any specific car rental companies in Jeddah that cater specifically to female drivers without requiring a credit card?
A4: Yes, some car rental companies in Jeddah are increasingly offering services tailored to female drivers. While the requirement for a credit card depends on the company's policy, some may offer debit card or cash deposit options. It's recommended to search for rental companies with "female-friendly" services or inquire directly about their payment options.

Q5: If I rent a car using a prepaid travel card in the UAE, what happens if there are toll charges or traffic fines incurred during my rental period?
A5: If you incur toll charges (Salik) or traffic fines while using a rental car paid for with a prepaid travel card in the UAE, the rental company will typically charge the amount to the prepaid card on file. Ensure your prepaid card has sufficient balance to cover potential charges beyond the initial rental fee and security deposit. They will usually notify you of these charges after the rental period.