Credit cards

· 25 Dhuʻl-Qiʻdah 1434 AH1 min readEnglish

Question

Is it permissible to use credit cards as long as I pay off the balance without having to pay interest?

Answer

If you are sure that you will be able to pay back the loan before it accrues interest, it will be permissible.

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

References (Arabic / Urdu sources)

يأَيُّهَا الَّذينَ ءامَنوا لا تَأكُلُوا الرِّبوا أَضعفًا مُضعَفَةً وَاتَّقُوا اللَّهَ لَعَلَّكُم تُفلِحونَ ﴿النساء: ٢٩﴾

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.

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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