I am a student and have to pay my fees online

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Question

I am a student and have to pay my fees online quite a few times which requires me to have a credit card because the debit cards offered by the banks are not accepted. The problem is that in the banks charge an annual fees on having a credit card which in some banks is deducted on an monthly basis. Therefore, if I pay all my dues on time i.e before the interest accrues is it permissible for me to keep a credit card, if there are annual charges attached to it.

Answer

Muhtaram / Muhtaramah

In the Name of Allāh, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāh wa-barakātuh.

It is permissible to make use of the credit card facility on condition payments to your account is made timeously to avoid paying interest.

And Allah knows best
Darul Iftaa

Madrasah Inaa’miyyah

· The Sharée ruling herein given is specifically based on the question posed and should be read in conjunction with the question.

· The Darul Ifta bears no responsibility to any party who may or may not act on this answer. The Darul Ifta being hereby exempted from loss or damage howsoever caused.

· This answer may not be used as evidence in any Court of Law without prior written consent of the Darul Ifta.

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