What is the ruling on using the "Premium Card" which allows purchasing goods in installments over 10 months without interest, in exchange for an annual subscription fee of 75 EGP, with the installments being deducted directly from the salary monthly?

There is no objection to the company purchasing the goods desired by the customer and selling them to him in installments, provided that the goods enter into its possession and are acquired by it before the sale. As for the Visa card, it appears that the contract for its issuance is valid, and there is no objection to obtaining it and using it if it is free from usury and if no usurious interest or prohibited conditions are stipulated upon late payment.