What is the ruling on using a credit card from Riba-based banks, knowing that a fixed monthly fee must be paid for the service, and that late payment incurs Riba, and that this card is the only means for installment payments?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
It is not permissible to use a credit card that includes a usurious condition, even if the holder intends to pay on time; because the acceptance of usury and entering into its contract is void. Moreover, the user may actually fall into usury by delaying payment. Sheikh Ibn Uthaymeen issued a prohibiting this transaction because the user commits to paying usury if he does not pay on time, and this commitment is void. Circumstances may change, and he may be unable to fulfill the payment.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/17324
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 17324
- 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