Ruling on credit cards of the Faisal Islamic bank

There is nothing wrong with
using a credit card if it is free of the following things that are forbidden
according to sharee’ah: 

1-Stipulating payment of interest
or a penalty in the event of late payment.

2-Charging fees for issuing an
uncovered card that are greater than the actual costs involved.

3-Charging a percentage of money
withdrawn if the card is not covered. It is permissible to charge the actual
costs only; anything more than that is riba.

4-Buying gold, silver and other
currencies with it.

5-Seller adding a percentage that
the bank requires him to take from the purchaser, without the purchaser
being aware of that.

See also the answer to
question no. 13725 and
103187. 

We do not know anything
about the credit card offered by the Faisal Islamic Bank. 

And Allaah knows best.