What is the ruling on using a Visa card that enables the client to withdraw cash amounts exceeding his balance, and he is obligated to repay them within a specified period, otherwise he pays an increase to the bank, in addition to paying an annual fee for using it?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
This transaction is forbidden because it involves a commitment to pay usury (riba) if payment is not made on time. This commitment is void, even if it is highly probable that payment will be made before the due date, for a person does not know what will happen to him in the future.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/17428
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 17428
- 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