Using the points from credit cards, is it permissible?

Answered according to Hanafi Fiqh by

Message: Assalamu Alaikum Mufti,

I would like to know about a visa card. I pay it off before time so no interest is accumulated. How ever the bonus points (voucher) I get after a few months which I can use to purchase items- is this OK to use. Or will this fall within interest…?

Jazak Allah Khair.

Wa Alaikum Assalaam,

الجواب و بالله التوفيق

Once you pay off in time, then using the visa card will be allowed. With respect to the bonus points (vouchers), it is ok to use since it is not interest (Riba). This is really an incentive program operated by Credit Card Companies to encourage use of the card by the card holders.

And Allah Knows Best.

Mufti Waseem Khan.


This answer was collected from, which is operated under the supervision of Mufti Waseem Khan from Darul Uloom Trinidad and Tobago.

Find more answers indexed from:
Read more answers with similar topics: