What is the ruling on obtaining a credit card from Abu Dhabi Islamic Bank, guaranteed by my current account, given that the card's usage involves direct debit from my balance, and there are commissions for international and domestic withdrawals, as well as issuance and annual fees?

It is permissible to use instant debit cards (which deduct directly from the customer's balance) because they are free of usury, as there is no loan from the bank to the customer. It is also permissible for the bank to charge fees for the services of these cards, whether they are issuance fees, cash withdrawals, or payment for purchases. It is permissible to use them to purchase gold and other items for which immediate possession is required, because the deduction occurs at the moment of purchase.