Is it permissible to use the aforementioned bank cards (Visa), given the existence of service charges and cash withdrawals with varying interest rates?

It is not permissible to deposit money or transfer salary to usurious banks except out of necessity, such as to protect money from loss or due to employer compulsion. In such a case, the money is deposited and the salary is transferred to a current account. Regarding the Visa card, it is permissible to use a card free from usury that charges a fixed amount as a service fee, whereas it is not permissible to use cards that involve usury.