Is it permissible to obtain a credit card from an interest-based (ribawi) bank to pay professional licensing fees in the UAE, knowing that there is no other way to pay, and the amount in the account always remains at a certain limit?
What you mentioned about not having an account in an Islamic bank does not permit your wife to deal with a usurious bank that imposes interest for late payments. As long as Islamic banks exist and needs can be met through permissible means, she is not allowed to commit what the has forbidden.
Your wife can open an account with an Islamic bank and obtain a credit card that adheres to Sharia guidelines. There are also prepaid cards for online transactions.
If your wife's salary is deposited into an account with a usurious bank without her choice, there is no sin upon her in that, but she must withdraw it immediately, because its retention aids the bank. And whoever fears Allah, He will make his matter easy for him, and provide for him from where he does not expect.
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