Is it permissible to create an account on an e-commerce website that requires a credit card from an Islamic bank, which imposes an increase on the withdrawn amount after 55 days that is disbursed to charities and good deeds, given the absence of an alternative, and with sufficient funds available to avoid interest, and without using the card to withdraw money, and can this be a future source of livelihood?
The majority of scholars hold that it is impermissible to impose a late payment fee and obligate the debtor to pay it, even if the bank were to donate it to charitable organizations. However, some contemporary scholars permit its imposition. If you are in need of a credit card, there is no harm in obtaining one from an Islamic bank, provided you are careful not to delay payments to avoid the penalty.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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