What is the Islamic legal ruling on the MyMiles credit card issued by the National Commercial Bank, and is it permissible to use it to benefit from free travel miles?

Credit cards are permissible under two conditions: that their issuer does not take more than their actual cost, and that they do not include a penalty for late payment. "Myles" cards fall under commercial incentives, and the basic ruling regarding them is permissibility under two conditions: that the fees taken for them are according to the actual cost of their issuance, and not exceeding it, lest they fall under gambling; and that the beneficiary's use of them is out of need, not for the anticipation of a prize. If these conditions are met, then there is no harm in them.