What is the ruling on obtaining a credit card from a bank that specifies thirty commercial establishments from which purchases can be made and paid for in cash or in monthly installments without any increase in price (0% interest), knowing that the user is aware that the bank receives 1% of the value of purchases from these establishments, while the card can be used outside these establishments as a regular credit card with interest if paid in installments?

The features mentioned for the credit card, such as no issuance or renewal fees, no extra charge taken by the bank on purchases, and the bank taking a percentage from shop owners, do not contravene Islamic law. With two important notes:

1. If the card is used to purchase gold and silver, it is permissible to buy, provided there is a balance covering the price. It is not permissible if there is no balance covering the price or if the purchase is made in installments. 2. The bank taking a percentage from shop owners is permissible, provided this percentage is not passed on to the buyer.

However, the card's validity for normal use and purchasing from other shops (not those specified) and incurring usurious charges is an agreement to usury and is impermissible. Therefore, anyone wishing to obtain the card must agree with the bank to remove the usurious clause and limit transactions to the specified shops, or include others on condition of immediate payment.