We don't sell cars. We compare credit cards. But since you're here — yes, you can absolutely use one to pay for your next car, and there's a right way to do it.
Yes, with conditions. Most UAE dealerships accept credit-card payment up to a ceiling (often AED 50,000–100,000) and add a 1–2% surcharge. That makes it worth it only when your card's reward rate beats the surcharge — typically Liv Cashback+ at 4%, Etihad Guest Premium at 1.5 miles per AED, or any card running a 0% installment plan with the dealership.
The bigger play is using a credit card for the down-payment portion (often AED 20–40k) and financing the rest through an auto loan. That captures the reward rate on the down payment without exposing you to revolving-credit interest on the full car price.
Welcome-bonus cards work best here. ENBD noon One pays AED 500 after AED 5,000 spend in 60 days — trivial to clear with a down-payment. ADCB Touchpoints Signature, Mashreq Solitaire, and Emirates Islamic Cashback Plus all run welcome offers worth AED 500–2,000 once your spend clears their threshold.
Avoid revolving. Credit-card interest in the UAE runs ~36% APR — it eats any welcome bonus or reward rate within months. The reward maths only work if you pay the statement in full.
Get notified about UAE latest credit card products