Darul Iftaa Mahmudiyyah

Credit card payments

· 21 Ramadan 1428 AH1 min readFatwa 15713English

Question

I have a question about credit cards paymenyt i would like to know that if i have bought something on credit card and i pay monthly instalments on it on which the bank charges intrest on it so kindly tell me that since i am paying intrest to the bank so is it haram to do that and if it is kindly guide me so i can be on the correct path

Answer

In the name of Allah, Most Gracious, Most Merciful

Assalaamu `alaykum waRahmatullahi Wabarakatoh

According to Shariah it is permissible to make use of a credit card if you pay the monthly bills timeously. It is not permissible to purchase on the budget facility as the bank will charge interest on the amount. Whoever engages in interest has waged war with Allah and His Rasul صلى الله عليه وسلم . Can a person ever be victoriuos if Allah and His Rasul صلى الله عليه وسلم are his enemy?

Therefore you may use the straight credit facility of the card and abstain from purchasing on the budget facility.

And Allah knows best

Checked and Approved by:

Mufti Ebrahim Desai
Darul Iftaa

Checked & approved by
Mufti Ebrahim Desai
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Source: Darul Iftaa Mahmudiyyah — https://askimam.org/public/question_detail/15713
Fatawa SA: https://fatawa.co.za/fatwa/askimam-15713

People also ask

Is using a credit card permissible?

“The monthly fee which the bank charges the credit card holder is not permissible. This amount is riba (interest). One is paying the bank this monthly fee in order to keep this credit facility open to him to qualify for credit…”

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