=Is The Contract Of Interest For Obtaining A Credit Card Permissible?

Facebook Instagram Whatsapp Youtube Envelope

Home
About Us
Contact Us
Terms & Conditions

Home
About Us
Contact Us
Terms & Conditions

Al-Furqan Academy
Ask Mufti
Change A Life
Blog

Menu

Al-Furqan Academy
Ask Mufti
Change A Life
Blog

Al-Furqan Academy
Ask Mufti
Change A Life
Blog

Al-Furqan Academy
Ask Mufti
Change A Life
Blog

Question:

It seems that having a credit card is haram. Because if you do not pay on time, you contract to commit a major sin. And contracting for a major sin appears to be sinful and impermissible.

جَزَاکَ اللَّهُ خَيْرًا

Answer:

بِاسْمِ اللہِ سُبْحَانَہٗ وَتَعَالٰی، الَّذِیْ عَلَّمَ الْإِنْسَانَ مَعَالِمَ الدِّیْنِ، وَأَنْعَمَ عَلَیْہِ بِحَقَائِقِ الشَّرِیْعَةِ وَالتَّمْکِیْنِ

The Actual Reason for the Impermissibility of Credit Cards

In credit cards of conventional banks, the reality is that the cardholder contracts with the institution on the condition that if the amount is not paid within the stipulated time, an additional amount, late fee, or markup will have to be paid as interest. Banuri Town has clearly stated that just as taking interest is haram, similarly entering into an interest-based contract is also haram; therefore, merely intending that I will pay on time does not remove the defect of the original contract.

Is Contracting with a Condition Involving a Major Sin Also a Sin?

Yes, your reasoning is very close to the preponderant view of the scholars. In a Hadith from Sahih Muslim, the Prophet ﷺ equated the one who consumes interest, the one who feeds interest, the one who writes the interest-based transaction, and the one who witnesses it. Muftis, inferring from this Hadith, have clarified that signing the documents of a credit card also constitutes entering into an interest-based transaction, and is haram.

Is mere “intention” sufficient, such that since I will not pay interest, the credit card becomes permissible?

According to the preponderant Hanafi fatwas, it is still not permissible. The reason is that the issue is not only about the subsequent action but also about the initial contract. Muftis have repeatedly written that the halal or haram status of a transaction depends on the contract agreed upon between the parties, and here the contract itself is based on an interest-based condition. Therefore, even in the case of timely payment, the permissibility in principle is not established.

Share it :

innov8ive.lab@gmail.com

innov8ive.lab@gmail.com

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Comment *

Name *

Email *

Website

Save my name, email, and website in this browser for the next time I comment.

Popular Categories

Faith & Beliefs

Faith & Beliefs

Faith & Beliefs

Faith & Beliefs

Faith & Beliefs

Faith & Beliefs

Ask a Mufti Online

Get clear, reliable answers to your Shariʿah questions from qualified scholars.

Drop Your Question Here!

Newsletter

Get free tips and resources right in your inbox, along with 10,000+ others

Name

Email

Latest Post

May 3, 2026

April 18, 2026

March 23, 2026

March 23, 2026

March 16, 2026

Divorce After Khalwat-e-Sahiha: Final or Revocable? (Hanafi) Khula Acceptance in Hanafi Fiqh: Does “I Accept” Count? Hanafi Ruling: Khula Needs Clear Acceptance + New Nikah After Bain

March 4, 2026

Get In Touch

Newsletter

Subscription Form

Latest Posts

Is it permissible in Shariah to have and use a credit card? Is a credit card permissible even after a contract for a haram act?

May 3, 2026

Is Kissing Considered Zina? A Detailed Islamic Ruling

April 18, 2026

Second Marriage While First Husband is Alive: Khula, Faskh-e-Nikah

March 23, 2026

Quick Menu

Al-Furqan Academy
Ask Mufti
Change A Life
Blog

Al-Furqan Academy
Ask Mufti
Change A Life
Blog

Follow Us

Facebook Instagram Whatsapp Envelope Youtube

contact

deenalfurqan@gmail.com
+92309 26-88(992)

© Copyright deenalfarqan.com. All rights reserved.