Fatwaa.net - Fatawa | A person wants to buy electrical tools worth (1800) dinars using a traditional bank card, knowing that he does not have the amount, and the card limit is (2000) dinars. The client will repay the purchase amount over a year, in exchange for a commission taken by the bank of (3%). What is the ruling on that?

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27 / 06 / 2026

Purchasing with a Riba-Based Bank Card

Question

A person wants to buy electrical tools worth (1800) dinars using a traditional bank card, knowing that he does not have the amount, and the card limit is (2000) dinars. The client will repay the purchase amount over a year, in exchange for a commission taken by the bank of (3%). What is the ruling on that?

Answer

I say, and with God's success: This is usury that is not permissible by Sharia; due to the condition of usury in purchasing the card, and God knows best.

Purchasing with a Riba-Based Bank Card

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