Darul Iftaa Mahmudiyyah

I am a student and have to pay my fees online quite a few times which requires me to have a credit card

· 23 Safar 1429 AH1 min readFatwa 16362English

Question

I am a student and have to pay my fees online quite a few times which requires me to have a credit card because the debit cards offered by the banks are not accepted. The problem is that in the banks charge an annual fees on having a credit card which in some banks is deducted on an monthly basis. Therefore, if I pay all my dues on time i.e before the interest accrues is it permissible for me to keep a credit card, if there are annual charges attached to it.

Answer

In the name of Allah, Most Gracious, Most Merciful

Assalaamu `alaykum waRahmatullahi Wabarakatuh

It is permissible to make use of the credit card facility on condition payments to your account is made timeously to avoid paying interest.

And Allah knows best

Wassalam

Mufti Ebrahim Desai

Answered by
Mufti Ebrahim Desai
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Source: Darul Iftaa Mahmudiyyah — https://askimam.org/public/question_detail/16362
Fatawa SA: https://fatawa.co.za/fatwa/askimam-16362

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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