Is the (MasterCard) issued by banks unlawful (haram), given the annual subscription fees and interest on cash withdrawals, the commission taken by the bank from the merchant upon purchase, and the fact that its use is restricted to specific stores?

It is not permissible to obtain this card because it involves prohibited usury (riba), represented by taking a 4% fee on each withdrawal transaction. This is because the bank is only entitled to a fixed amount representing service charges. Furthermore, shops add an increase to the price in exchange for the bank's commission (100 fils).