Is it permissible to obtain a credit card from a commercial bank to which one's salary is compulsorily transferred, with the intention of repaying the amount before the interest-accruing period, given that there is a condition to add a small percentage (0.46%) under the name of "insurance fee," which is non-refundable if the account does not cover the withdrawn amount at the end of the month?

It is permissible to transfer one's salary to an interest-based (riba-based) bank out of necessity, but it must be withdrawn immediately so as not to assist the bank in its forbidden transactions. However, obtaining a credit card from an interest-based bank is not permissible, even with the intention of immediate repayment, due to the existence of legitimate alternatives such as covered credit cards from Islamic banks. For whoever fears Allah, Allah will make his matter easy.