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?

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.