Is it permissible to use a credit card that charges fixed fees for each withdrawal and quarterly fees, along with promises of monetary amounts as "gifts" for those who are committed to repayment?

It is not permissible to use this card, as it is based on usury, which is a loan that brings benefit to the lender. The company takes an excess amount on the borrowed sum, and any excess taken by the company above the actual cost is considered usury. This is a deception regarding usury and a misnaming of things, and one must beware of it and not enter into this transaction. Dr. Muhammad Al-Osaimi emphasized that fees on cards that provide lending must be according to the actual cost, and it is not permissible to profit from them, otherwise the loan would be usurious.