What is the ruling on a covered Visa card with a flat fee, which does not involve lending, and is a percentage commission on cash withdrawals from it permissible?

It is permissible to take a percentage fee on cash withdrawals using a fully covered credit card, because it is considered a service charge covering the cost of devices, their maintenance, and necessary related services. This is not considered usury (riba) due to the absence of intent for usury, as long as the cardholder has a balance that makes him a creditor, not a debtor.