Is paying twelve pounds for a "Premer Card" by an employee, which entitles him to purchase goods by installments, considered disguised usury or a valid contract?

What is paid upon contracting, if it is a fixed lump sum that is not affected by the prices of purchases, then there is no harm in it. Thus, imposing administrative fees for issuing the card is not inherently problematic, provided that it represents the actual cost of issuance; because it is a wage in exchange for a service, and not usurious interest. The resolution of the Islamic Fiqh Academy states the permissibility for the card issuer to take a fixed fee from the client upon issuance or renewal, as an actual wage commensurate with the services provided.