What is the ruling on using the "Spice" credit card issued by Abu Dhabi Islamic Bank?

To rule on a credit card, one must know whether it is covered or uncovered, and whether it imposes a penalty for late payment. A covered card: If the money is in a checking account, then the rewards are usury (riba) because they are gifts on a loan. If the money is in a savings or investment account, then the permissibility of the investment must be verified. An uncovered card: For it to be permissible, it is stipulated that the bank should not take any increase on the loan except what equals the actual cost, and that the contract should not include a penalty clause for late payment. If these conditions are met, then there is no harm in the rewards offered by the bank to the customer.