Is it permissible to continue using the Bank Albilad Visa card given the bank's condition of holding SAR 2,000, and the existence of a SAR 150 issuance fee and a SAR 100 annual fee, especially since these conditions were not mentioned in the application form?

It is permissible for the bank to issue a visa card for a fixed fee in exchange for the services provided. It is also permissible for the bank to stipulate that the client deposit a sum as a financial guarantee, provided that the bank does not benefit from this amount. This is because if the client has no balance, the bank becomes a lender, and a loan must not yield a benefit. It is permissible for the bank to invest the deposited amount on the basis of Mudarabah (profit-sharing), such that the profit is divided between the client and the bank according to a pre-defined and known ratio. It is also permissible for the bank to retain the amount as a cash pledge without investing in it or benefiting from it, provided that the bank does not dispose of the amount.