What is the ruling on using the SABB MasterCard which deducts 5% and the remainder is paid through a Tawarruq transaction, knowing that the card is covered by the customer's account and the annual profit margin is 28.68%?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
It is not permissible to settle credit card debt with a new tawarruq transaction with the bank, because that is considered a prohibited 'reversal of debt' (qalb al-dayn) and falls under the category of 'rescinding debt into debt' (fasakh al-dayn fi al-dayn), which is Islamically forbidden. Furthermore, organized tawarruq itself is prohibited.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/170294
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 170294
- Added here
- . This is when the answer was added to El Fatwa, not the fatwa's date.
- Text
- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy