Can You Rent a Car in Pakistan Without a Credit Card?

Most individuals ask if they need a credit card to rent a car when they plan a vacation to Pakistan or even just require one for everyday travel. The answer is virtually invariably yes in many countries. But the laws are a little less strict in Pakistan. You’ll still find companies that prefer a credit card, but you’ll also find plenty of options that don’t demand one.

Let’s walk through how the process works and what choices you have if you want to rent a car without a credit card.

How the Usual Car Rental System Works Here

Most of the well-known car rental companies in cities like Lahore, Karachi, and Islamabad usually ask for a credit card. It works as a safety net for them—covering damages, late payments, or any issues that come up during your rental.

But here’s the good news: renting without a credit card isn’t off the table. If you can show that you are responsible and can pay for the rental, many local rental services will accept other forms of payment.

Is it really possible to rent a car without having a credit card?

Yes, it is.

But it takes a bit more preparation.

Most companies that allow it will ask you for one or more of these:

• A valid ID
• A cash security deposit
• A bank statement
• A debit card
• Or a bank transfer

Here’s a closer look at the options.

1. Using a Debit Card

Some rental agencies are fine with debit cards, but they may ask for a bigger deposit since debit cards don’t offer the same protection as credit cards do.

Always confirm with the company beforehand, because not all of them accept it.

2. Paying in Cash

Cash is still king in many places in Pakistan, and car rentals are no exception.

Small or locally owned businesses are usually more flexible with cash payments.

Just make sure you:

• Get a written receipt
• Understand how much deposit they’ll hold
• Confirm how and when you’ll get that deposit back

3. Paying Through Bank Transfer

This method is more common for renting cars for a long time or for expensive cars.

It’s safer for both sides—and easy to track.

But again, always get written confirmation of the payment and the deposit terms.

4. Using Online Platforms

You might have additional options with online providers like Careem or other rental apps. The app usually handles payments, and many of them accept mobile wallets or debit cards.

It's quick, easy, and often easier than working with regular rental companies.

How to Rent a Car in Pakistan Without a Credit Card

This is how to make things go more smoothly:

• Look for local rental services — they’re usually more flexible.
• Find out how much the deposit is and how to get it back.
• Keep your CNIC, passport, or even a bank statement close by.
• Call ahead — confirm payment options before you book.
• Make sure you understand the insurance and that the car is fully protected.

Final Thoughts

Renting a car in Pakistan without a credit card is totally achievable. You will only need to put in a little extra work, such as confirming payment methods, getting the deposit ready, and picking a rental company that is open to other options.

You may get the car you need without having to worry about having a credit card if you prepare ahead. This will make your trip or daily journeys more comfortable.