What is the ruling on using the "Al-Tayseer" card issued by the Palestinian Islamic Bank, which imposes a fixed monthly service fee, regardless of whether the customer uses the card for purchases or cash withdrawals?

It is permissible for the bank to charge a fixed service fee for the customer's use of the credit card and the benefits and services it includes, as long as these fees are commensurate with the actual cost of the services provided, and the bank does not profit from them. The International Islamic Fiqh Academy has stipulated the permissibility of charging a lump sum fee upon issuance or renewal, considering it an actual fee commensurate with the services provided. Any increase beyond the actual services is prohibited because it constitutes usury (riba).