What is the ruling on using a Visa card from an Islamic bank, knowing that the bank charges a fixed fee for its issuance, and the Visa company charges an additional fee, and the amount is paid in monthly installments?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
An unsecured Visa card is considered a loan from the bank or company to the cardholder. It is not permissible in a loan to stipulate an increase upon repayment. Therefore, it is forbidden to obtain a Visa card if its contract includes a condition for an increase. This differs from Islamic banks, which take a fixed commission for issuance expenses, and this is permissible according to .
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
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- Ftawy
- Original fatwa ID
- 79030
- 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.
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- Read the full answer on Ftawy