Paying Rent with Credit Cards in the UAE: A Full Guide (2025)

Renting in the UAE traditionally means hefty upfront payments—often one year’s rent or quarterly cheques. If you're living paycheck-to-paycheck or prefer not to tie up large amounts of cash upfront, this system isn't always practical. Thankfully, fintech solutions are changing the game.

Today, you can pay your rent with a credit card, split annual payments into manageable monthly installments, and even earn rewards while doing it. Platforms like Keyper, Rently, and Tern Rewards are reshaping how UAE tenants handle rental payments, offering flexibility, convenience, and attractive perks.

Here’s everything you need to know about paying your rent with a credit card in the UAE.

How Do Rent-Payment Services Work in the UAE?

In traditional UAE leases, landlords often require payments via post-dated cheques, sometimes for the full year upfront. New "Rent Now, Pay Later" (RNPL) services like Keyper and Rently bridge this gap, letting tenants spread annual rent into monthly credit card installments. Here’s the simplified process:

1. Service pays the landlord upfront: The RNPL platform (like Keyper or Rently) pays your landlord according to the original agreement—full year upfront or quarterly.
2. You repay monthly by card: Instead of paying large lump sums, you repay the service monthly via your credit card. Payments are automated and stress-free.
3. Pay a small premium: Convenience comes at a cost—typically between 5–15% of your annual rent. For example, a yearly rent of AED 120,000 might increase by AED 700/month (~7%) if split into monthly installments.

This method essentially turns your rent into a manageable monthly expense—perfect if your budget favors smaller, frequent payments.

Keyper vs. Rently: Choosing the Best RNPL Platform

Two major players — Keyper and Rently — are leading the UAE’s rent-by-card market. Here's a quick rundown of each:

Keyper (Dubai-focused)

Keyper makes it easy to split yearly rent into 12 monthly credit or debit card payments. Key highlights include:

• Fee Range: 5–15% premium depending on original cheque schedule (lower premiums for quarterly payments, higher for annual upfront).
• Eligibility: Minimum income around AED 10,000/month, fair credit score (AECB ≥ 540). New UAE residents are considered case-by-case.
• Additional Benefits: Option to split security deposit into three monthly payments. Keyper handles deposit upfront, protecting you from deposit misuse by landlords.
• Promotions: Partnerships with banks like FAB offering AED 500 cashback and monthly prize draws.

Rently (UAE-wide availability)

Rently is similar, but with slightly wider geographic coverage across the UAE:

• Fee Range: Typically around 5–10%, personalized based on your credit profile and landlord terms.
• Eligibility: Similar income and credit requirements to Keyper, including valid UAE residence/employment documentation.
• Notable Features: Fully finances security deposits upfront, helping you reduce your initial cash outlay. Rently also incentivizes real estate agents to refer tenants, simplifying lease agreements.

Pros & Cons of RNPL Platforms

Tern Rewards: Rent Payments Without Fees (Dubai-only)

If you're already comfortable with your rent schedule but want to pay digitally and earn rewards, Tern Rewards might be your ideal solution:

• No Fees: Pay rent by card with zero transaction or convenience charges.
• Earn Rewards: Earn up to 2% cashback in Tern loyalty points redeemable at major retailers (Amazon, Netflix, Carrefour, etc.).
• How it Works: Tern doesn't finance rent; it simply facilitates payments directly from your card to your landlord's account based on your existing rent schedule (monthly, quarterly, etc.).
• Onboarding: Simple digital registration with UAE Pass, Ejari details, and your landlord's IBAN—completed within minutes.

Tern’s service is particularly appealing for tenants with sufficient credit limits or savings who prefer seamless digital payments and reward earnings without additional fees.

Is Paying Rent with a Credit Card Worth the Cost?

Using a credit card for rent payments in the UAE has clear benefits but comes at a premium if using RNPL services. Consider these points:

• Budget management: Monthly payments via Keyper/Rently improve cash flow management, especially useful for salaried tenants.
• Rewards accumulation: Pay rent with credit cards to earn airline miles, cashback, or other rewards—potentially offsetting some fees.
• Credit building: Regular, on-time payments can positively impact your UAE credit score, enhancing financial credibility.

However, be aware of the added premium. If you're financially stable enough to manage quarterly or yearly payments comfortably, the fee-free approach of Tern Rewards might be a better choice.

Conclusion: The New Way to Handle Rent in the UAE

Paying rent with a credit card offers undeniable convenience, flexibility, and even rewards. RNPL platforms like Keyper and Rently break hefty annual rents into affordable monthly payments, while Tern Rewards digitizes existing rent schedules without additional fees, rewarding you for every payment.

Choosing the right platform depends on your financial situation and goals:

• Want affordability and monthly budgeting? Check out Keyper.
• Looking to pay monthly UAE-wide? Explore Rently.
• Already have a flexible landlord? Sign up for Tern Rewards and earn rewards without fees.

Whichever option suits your lifestyle, paying rent with a credit card is undoubtedly reshaping UAE's rental landscape for the better.

FAQ About Paying Rent with Credit Cards in UAE

1. Can I pay rent with any credit card in the UAE?

Yes, most UAE-issued Visa or MasterCard credit cards are accepted by platforms like Keyper, Rently, and Tern Rewards.

2. Does paying rent via credit card hurt my credit score?

No, as long as you make payments on time. Regular, timely payments can actually boost your AECB credit score.

3. Are there hidden fees with RNPL services like Keyper or Rently?

No hidden fees. Premiums (typically 5–15%) are clearly disclosed upfront and included in your monthly payments.

4. Can I use Tern Rewards if my landlord only accepts quarterly payments?

Yes, Tern can facilitate payments according to your existing schedule, whether monthly, quarterly, or annually—just no financing.

5. What happens if I miss a payment with Keyper or Rently?

You'll incur late fees and risk penalties outlined in your contract. Repeated missed payments could lead to legal action.