about credit cards payment

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I have a question about credit cards payment i would like to know that if i have bought something on credit card and i pay monthly installments on it on which the bank charges interest on it so kindly tell me that since i am paying interest to the bank so is it haram to do that and if it is kindly guide me so i can be on the correct path




Muhtaram / Muhtaramah


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

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


According to Shariah it is permissible to make use of a credit card if you pay the monthly bills timeously. It is not permissible to purchase on the budget facility as the bank will charge interest on the amount. Whoever engages in interest has waged war with Allah and His Rasul صلى الله عليه وسلم. Can a person ever be victorious if Allah and His Rasul صلى الله عليه وسلم are his enemy?

Therefore you may use the straight credit facility of the card and abstain from purchasing on the budget facility.


And Allah knows best


Darul Iftaa, Madrassah In’aamiyyah

  • 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.