Is it permissible to benefit from points accumulated from using a credit card after the bank breaches the agreement to waive fees, and can these points be considered a substitute for the imposed fees?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
Credit cards are permissible if two conditions are met: the issuer does not charge more than their actual cost, and they do not include a penalty for late payment. If these prohibitions are avoided, then there is no harm in benefiting from them and from the points earned through their use.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/162930
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 162930
- 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