What is the Sharia ruling on prepaid cards (gift card, travel card, transfer card) issued by Al-Warqaa Bank for Investment and Finance, which include annual subscriptions, top-up fees, and specific limits?

The fundamental issue with credit cards issued by usurious banks is that they involve two prohibitions: acknowledging usury and the potential for falling into it. If a transaction is free from these two prohibitions, then it is permissible to use such a card.

As for the annual fee, if it is in exchange for a service, then it is a permissible commission; otherwise, it is usury. It is more cautious to avoid dealing with these cards.