Is the Barclays Blue Rewards Scheme Shariah Compliant?

Answered according to Hanafi Fiqh by


Is the Barclays Blue Rewards Scheme Shariah Compliant?

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.


The Barclays Blue Rewards Scheme is not Shariah compliant. 

The Fiqh (jurisprudence of the Answer):

To earn Barclays Blue Rewards, you must do 3 things each calendar month:
1)    Have at least £800 paid into your nominated current account.
2)    Make at least 2 different direct debit payments from your nominated current account.
3)    Pay the £3 monthly fee.

If a customer does the above, he is rewarded with:
1)    Loyalty Reward of £7 every month
2)    Mortgage Loyalty Reward
3)    Home Insurance Loyalty Reward
4)    Loan Reward
5)    Cashback

The above is non-Shariah compliant for the following reasons:

1)    The £800 deposited in the bank is in the ruling of a Qarḍ (gratuitous loan).  A deposit in a bank is a loan to the bank. Thus, any conditional incentive in lieu of such an account, whether material gifts, financial incentives, services or benefits falls under the ruling of ribā.

2)    The monthly fee of £3 is part of the conditions of the bilateral exchange contract in order to receive a package of rewards which also contain a payment of £7.  Receiving more money in return in a bilateral exchange contract is ribā.
And Allah Ta’ālā Alone Knows Best
Mufti Faraz Adam,
The views and opinions expressed in this answer belong only to the author and do not in any way represent or reflect the views of any institutions to which he may be affiliated.
Arguments and ideas propounded in this answer are based on the juristic interpretations and reasoning of the author. Given that contemporary issues and interpretations of contemporary issues are subjective in nature, another Mufti may reach different conclusions to the one expressed by the author. Whilst every effort has been taken to ensure total accuracy and soundness from a Shari’ah perspective, the author is open to any correction or juristic guidance. On the event of any juristic shortcomings, the author will retract any or all of the conclusions expressed within this answer.
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This answer was collected from, which is operated under the supervision of Mufti Faraz ibn Adam al-Mahmudi, the student of world renowned Mufti Ebrahim Desai (Hafizahullah).

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