What is the ruling on issuing a "cash back" card from Abu Dhabi Islamic Bank, which allows purchasing and cash withdrawals with a credit limit of EGP 15,000, with a repayment period of 55 days, after which fees are paid to charities, in addition to a 4% cash withdrawal fee?

It is forbidden to impose a fine for late payment of debts, even if this fine is spent on charitable deeds, because it is considered an usurious increment. This is the view of the majority of jurists. As for the contemporary dispute regarding the permissibility of this condition, the fatwa (definition) issued is that it is prohibited, because it burdens the debtor with additional costs and contradicts the principles of leniency in debts.