What is the ruling on giving a credit card to someone to make online purchases with it in dollars, then they return the equivalent amount in Egyptian pounds, and the cardholder repays the full amount to the bank, while taking a fee from the purchaser in return for the profit gained from the purchase operation?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
Your enabling someone else to use your bank card to pay for their purchases, and then they return to you the amount they used from the card's balance, falls under the ruling of a loan. It is not permissible for a lender to derive benefit for himself from his loan, as the rule is that "every loan that draws a benefit for the lender is usury (riba)." It is also impermissible to combine a loan with any contract of compensatory exchanges.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/195883
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 195883
- Added here
- . This is when the answer was added to El Fatwa, not the fatwa's date.
- Text
- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy