What is the ruling on taking the percentage that is returned from banks when using credit cards, and is this considered usury (riba)?

It is not permissible to issue credit cards with an interest-based condition unless there is a dire necessity. The cardholder's intention to pay before interest becomes due does not justify it. Prizes offered by banks issuing these cards are not permissible to own and must be spent on general Muslim welfare. However, if the refunded amount is part of the interest paid, it is the cardholder's money and should not be left to the bank.