What is the ruling on using a Dubai Islamic Bank Visa card, given that there are cash withdrawal fees (60 dirhams) and an annual card fee (75 dirhams) in exchange for various services and benefits?

It is permissible to use a credit card under its conditions and regulations. If the amount taken for each cash withdrawal (60 dirhams) is the actual fee for the service, and the bank does not benefit from it in any other way, then there is no harm in that. Similarly, the issuance or renewal fee is permissible if it is the actual fee for the bank and the bank does not profit from it beyond that. The resolution of the Islamic Fiqh Academy stipulated the permissibility of taking fixed fees upon issuance or renewal as actual payment for services, and that cash withdrawal is considered a loan, which is permissible if it does not result in a usurious increase. Fixed fees that are not linked to the loan amount or its duration are not considered usury. Any increase beyond the actual services is prohibited. It is a condition that no fee be taken for discount services, and nothing be taken for baggage insurance and roadside assistance services unless the insurance is cooperative.