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Is it permissable to use a credit card?When we purchase anything using Credit card we are get Bonus/ Reward points on every £100 we spend. I want to confirm that these rewards points after redemption provide us gift vouchers so can these vouchers be taken into personal use? In the name of Allah, the most Beneficent, the most Merciful.

Answered according to Hanafi Fiqh by DarulIftaBirmingham

Is it permissible to use a credit card?When we purchase anything using Credit card we are get Bonus/ Reward points on every £100 we spend. I want to confirm that these rewards points after redemption provide us gift vouchers so can these vouchers be taken into personal use?

In the name of Allah, the most Beneficent, the most Merciful.

Answer

The usage of credit cards is permissible as long as the card holder is sure he has the ability to pay off the debt to the card issuing company before any interest becomes due.

Mufti Taqi Usmani (DB) has said, “Credit cards have become a necessity without which many transactions cannot be made; therefore it will be permissible to use them on the condition that the payments are made before the due date to avoid interest.

With regards to the points received from credit cards, they will be considered as a gift.  You may spend them on whatever you wish.

Only Allah Knows Best

Mohammed Tosir Miah

Darul Ifta Birmingham.

This answer was collected from DarulIftaBirmingham.co.uk, which is run under the supervision of Mufti Mohammed Tosir Miah from the United Kingdom.

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