Is it permissible to use credit cards that grant a certain amount to be paid in monthly installments and fees, without interest or late penalties, where fees are only paid upon usage?

If the monthly fees for a credit card are in exchange for actual services provided to its holder, then there is no harm in them, and they are not considered Riba (usury/interest), according to the decision of the Islamic Fiqh Academy. However, if these fees exceed the actual service charges, then they are considered forbidden Riba (usurious) interest.