What is the ruling on benefiting from offers of cashback and discounts provided via the bank's application?

The conditions for dealing with an uncovered Visa card are summarized in four points: 1. It does not involve interest or a penalty for late payment. 2. It does not charge an issuance fee that exceeds the actual cost. 3. It does not charge a percentage on withdrawal transactions that exceeds the actual fee. 4. It is not used to purchase gold, silver, or currencies.

As for the covered (prepaid) card, there is no objection to dealing with it, even if the bank charges fees that exceed the actual cost, because this is considered a service charge.

Depositing money into the card's balance is considered a loan from the customer to the bank. Therefore, it is not permissible for the customer to receive gifts or rewards from the bank in exchange for this deposit, because a gift for a loan is forbidden by Islamic law, unless it was customary between the two parties before the loan, or if the lender considered it part of the debt.