Is it permissible to use a credit card from an interest-based bank if payment is made within the grace period, given the unavailability of Islamic banks?

The general principle is to avoid obtaining cards from interest-based banks, and it is impermissible to use a card that includes a penalty for late payment. However, if there is a pressing need for it and it is impossible to obtain a Sharia-compliant card from an Islamic bank, then there is no harm in that, Allah willing, provided that its use is limited to the extent of the need, while being careful to avoid late payments so as not to incur a penalty.