Is using the points granted by the bank in exchange for purchases made with a credit card, which are paid off within the grace period, considered impermissible (haram)?

It is permissible to benefit from the points granted on credit cards if the card is free from Sharia prohibitions. As for credit cards that stipulate an increase in payment if there is a delay in repayment after a specified period, it is not permissible to use them, even if the user intends to pay on time.