What is the ruling on a participatory bank deducting 150 Moroccan dirhams annually for the use of a Mastercard for withdrawing funds, knowing that this amount was waived in the first year?

First: Covered credit cards from which the customer withdraws from their current account are classified as a loan from the customer to the bank, and depositing into a current account is a loan from the customer to the bank. Accordingly, it is not permissible for the bank to offer gifts to the customers of this account, except in two cases: if giving gifts was customary between the two parties before the loan, or if the lender deducts the gift from the loan.

Second: The bank's exemption of the customer from annual fees means providing card services free of charge. If this exemption is a condition in the current account deposit contract, then it is not permissible, because it is considered a loan that brings a benefit. If it is not a condition, it is permissible if it is customary for the bank to donate this service to all customers. However, if it is exclusively granted to certain lending customers, then it is not permissible.