Is the points program for purchases at an Islamic bank, which can be exchanged for cash, gifts, or shopping vouchers, considered usury (riba)?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
The points granted by the bank for purchases made with permissible bank cards are a lawful gift and do not fall under prohibited usury, provided that these points are not given in exchange for the customer depositing funds.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/176779
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 176779
- 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.
- Read the full ruling
- Read the full answer on Ftawy