What is the ruling on using a credit card for which no issuance or renewal fees are charged, and a sum of money is deposited in it in advance, with a condition of a penalty for delayed payment and a tax on cash withdrawal that do not fall upon the user, and what is the ruling on using the points earned from it?

It is not permissible to enter into a credit card contract that imposes a fine for late payment, even with the intention of avoiding the fine, because doing so constitutes an acknowledgment and acceptance of what is unlawful. It is permissible to use cards like American Express, Visa, and Mastercard issued by Islamic banks under two conditions: that the contract does not include a late payment fine, and that they are not used for cash withdrawals if the bank charges a proportional commission or a fixed fee that exceeds the actual cost of the transaction. As for the commission the bank takes from the seller, it is a permissible brokerage fee.