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Islamic Questions & Answers
Using a credit card that is not covered
(MasterCard) but in the following manner:
Firstly: there is no Islamic bank here (I live in
Secondly: the company that issues the credit card does
not provide current accounts to cover the card or even
any other bank accounts to cover it, but it is
possible to put money on the card by transferring
money to the bank company account. I only use the card
for buying things so as to avoid interest. Before
buying anything I put money on the card to cover the
value of the purchases, and I do not use it for
anything else so that there is no room for delaying
payment, because any delay will lead to interest being
charged. Is it permissible to use it in this way?
Is it permissible for me to tell my friends about this
card even if they use covered credit cards, but they
are with riba-based banks, and that is because this
company does not charge annual fees for the card?.
Praise be to Allaah.
It is permissible to use credit cards if they are free
from things that are haraam according to sharee‘ah.
For more information on that please see the answer to
question nos. 97846 and 97530.
If you paid the money first, this is what is known as
loading or filling the card, then you can buy the
goods with the card. There is nothing wrong with that.
It is important to pay attention to 2 points:
1. It is not permissible to sign a contract with the
credit card company if it includes the condition that
a penalty be paid in the event of late payment,
because this is a condition of riba that is haraam. So
it is not permissible to agree to it even if one is
determined to pay on time, unless one is forced to
deal with it, in which case there is nothing wrong
with that, so long as he knows that he is able to pay
the amount during the grace period before interest is
See also the answer to question no. 3402.
2. It is permissible for the bank to charge a fee to
the seller, but the scholars differed as to whether it
is permissible to make the purchaser pay this fee or
not. What seems to us to be the case is that there is
nothing wrong with that. Concerning this matter please
see the answer to question no. 103187.
There is nothing wrong with telling your friends about
this card so long as it is free of the matters that
are haraam according to sharee‘ah.
And Allah knows best.
He puts a certain amount of money on his credit card
and buys things with it through the Internet
Is it permissible to buy things through the Internet,
knowing that I have a credit card for paying through
the Internet from one of the banks in Jordan. I put
the money I want on the card, and the bank takes one
dinar only each time I put money on the card, without
any other payments.
Praise be to Allaah.
It is permissible to buy things through the Internet,
apart from things in which it is stipulated that the
transaction takes place hand to hand, such as gold and
silver, in which case if their reaching the buyer will
be delayed, it is not permissible to buy them through
the Internet. The Islamic Fiqh Council has issued a
statement that it is not allowed to buy gold using
credit cards because the immediate hand to hand
exchange does not take place in that case. See
question number 89787.
There is nothing wrong with using a credit card on
which the customer has put the money he wants, and
there is nothing wrong with the bank taking the fee
mentioned in return for offering this service.
And Allaah knows best.