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?

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 Sharia.