Is it permissible to use the credit card and benefit from the cash back?

Published as 3% cash back on all purchases using a credit card

· 17 Rabiʻ I 1434 AH1 min readEnglish

Question

I have a credit card which gives upto 3% cash back on all purchases. Is it permissible to use the credit card and benefit from the cash back?

Answer

The cash back received through using the credit card is interest, hence it is impermissible.

And Allah Ta'ala knows best.

References (Arabic / Urdu sources)

الَّذِينَ يَأْكُلُونَ الرِّبَا لَا يَقُومُونَ إِلَّا كَمَا يَقُومُ الَّذِي يَتَخَبَّطُهُ الشَّيْطَانُ مِنَ الْمَسِّ ذَٰلِكَ بِأَنَّهُمْ قَالُوا إِنَّمَا الْبَيْعُ مِثْلُ الرِّبَا وَأَحَلَّ اللَّـهُ الْبَيْعَ وَحَرَّمَ الرِّبَا فَمَن جَاءَهُ مَوْعِظَةٌ مِّن رَّبِّهِ فَانتَهَىٰ فَلَهُ مَا سَلَفَ وَأَمْرُهُ إِلَى اللَّـهِ وَمَنْ عَادَ فَأُولَـٰئِكَ أَصْحَابُ النَّارِ هُمْ فِيهَا خَالِدُونَ ﴿البقرة: ٢٧٥﴾

عن جابر رضي الله عنه قال لعن رسول الله صلى الله عليه وسلم آكل الربا وموكله وكاتبه وشاهديه وقال هم سواء رواه مسلم ( مشكوٰة المصابيح ص244)

Answered by
Mufti Zakaria Makada
Checked & approved by
Mufti Ebrahim Salejee (Isipingo Beach)
Questions about this ruling, answered only from the archive with sources.

Where scholars differ, it’s safer to take the more cautious view.

Fatawa SA is an independent, read-only index of fatawa already published by Mufti Online — Madrasah Ta'leemuddeen. It is not a fatwa service. For your own situation, please ask a Mufti. Report an issue

For corrections or mistakes, please email us at fatawasa786@gmail.com.

People also ask

Is using a credit card permissible?

“The monthly fee which the bank charges the credit card holder is not permissible. This amount is riba (interest). One is paying the bank this monthly fee in order to keep this credit facility open to him to qualify for credit…”

Mufti Online · 121 fatawa from 6 Darul Iftas on this

What the Darul Iftas say