Is it permissible, in Islamic law, to use a credit card issued by an Islamic bank that does not impose interest or fees on purchases, but charges a fixed monthly fee (75 AED) and a cash withdrawal fee (60 AED) for each transaction?

Transactions that do not adhere to Sharia regulations are prohibited, even if they are conducted through Islamic banks. Taking interest on cash withdrawals is prohibited usury (riba), as the bank is not allowed to take anything more than a fixed sum as an actual fee for its services. The Islamic Fiqh Academy has stipulated the permissibility of issuing uncovered cards, provided that they do not include usurious conditions, and the permissibility of taking fixed fees for services, and a commission from the merchant, on condition that the price paid with the card is the same as with cash. Cash withdrawal is permissible if it does not result in an usurious increase, and fixed fees not linked to the loan amount or duration are not considered usury. Any increase beyond actual services is prohibited because it is usury.