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Is it permissible to take advantage of credit card benefits without paying interest or late fees?

Answered as per Hanafi Fiqh by Darulifta-Deoband.com
Assalaamualaikum, I am using a credit card from a bank which has tie up with an airlines companey. Whenever I spend any amount from this card I get free milage on jet airways by which I can fly free of charge upto certain miles. My another card has tie up with shoppers stop by which if I spend money I get free points on my card & I can get clothes worth of those many points. Is it OK to take these benifits? I never pay interest or late fee and make payment on time to avaoid paying interest. Allah Haafiz.

Answer

(Fatwa: 726/686=D/1429)

The free mileage on jet airways or free points on your card, if they are not interest of your deposited amount, but they are as prize on your credit card which you have got after depositing money, then you may utilize these benefits. But if there is doubt to get these things as interest of your deposited money, then you should avoid it.

Allah (Subhana Wa Ta’ala) knows Best

Darul Ifta,
Darul Uloom Deoband

This answer was collected from the official ifta website of Darul Uloom Deoband in India.

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