Is it permissible to use a credit card if the full amount due is paid within the grace period to avoid usurious interest, with only the annual fees and fixed cash withdrawal fees being paid?

It is not permissible to use this card as long as there is a condition to pay an increase upon delayed payment, even if you intend to pay on time. The Fiqh Academy has ruled that it is impermissible to issue or deal with an uncovered credit card if it stipulates an usurious increase, even if the card applicant intends to pay within the free grace period.