Q: I owe money to a person. In lieu of direct payment, I occasionally do some shopping on the creditor’s behalf and thus reduce the amount I owe. What happens if I use my store benefit/loyalty points when shopping?
Example: total amount purchased R500. I used my loyalty point balance of R100 and total amount paid was R400. I occasionally also purchase items from this store for my personal use. Do I reduce the amount I owe by R500 or R400? In essence – who is entitled to the benefit/cash back reward from the store?
A: If he agrees to you using your points for him and paying off through it then you can deduct the entire amount.
And Allah Ta’ala (الله تعالى) knows best.
Mufti Ebrahim Salejee (Isipingo Beach)