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Paying a fixed monthly fee for a credit card facility

Answered according to Hanafi Fiqh by

Q: Is it permissible to pay a fixed monthly fee for a credit facility on a credit card? The fee is payable whether or not the credit facility is used. No interest will be incurred on the credit facility.


A: Outwardly, it seems that this is an additional amount for the credit provided and this resembles interest. Hence, refrain from it.

And Allah Ta’ala (الله تعالى) knows best.


Answered by:

Mufti Ebrahim Salejee (Isipingo Beach)

This answer was collected from, where the questions have been answered by Mufti Zakaria Makada (Hafizahullah), who is currently a senior lecturer in the science of Hadith and Fiqh at Madrasah Ta’leemuddeen, Isipingo Beach, South Africa.

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