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Fatwa CenterRuling on making purchases with a debit card
Question
slame .i would like to know about direct debit for car and all sort
Answer
All perfect praise be to Allaah, The Lord of the Worlds. I testify that there is none worthy of worship except Allaah, and that Muhammad, sallallaahu ‘alayhi wa sallam, is His Slave and Messenger.
We do not understand what do you exactly mean by buying with direct debit? If you mean that you will buy it via credit card, then the Islamic Fiqh Assembly issued a decree concerning that. The following was stated in the decree:
"Firstly: It is not permissible to issue a non-covered credit card or to use it if it is stipulated in it that Riba or interest be paid, even if the one who requests the card is determined to pay it off within the free grace period.
Secondly: It is permissible to issue a non-covered credit card if it does not include conditions stipulating that Riba or interest be paid on the debt. From this, the following rulings are derived:
(a) It is permissible for the issuer to charge the cardholder fixed fees when issuing or renewing the card, on the basis of the real cost of the services offered.
(b) It is permissible for the issuing bank to take commission from the business on the cardholder’s purchases, so long as the business sells it for the same price as that for cash transactions.
Thirdly: Cash withdrawals made by the cardholder are a loan from the issuer. There is nothing Islamically wrong with that so long as it does not lead to interest charges and the fixed fees for the service are not regarded as interest as it has nothing to do with the amount of the loan or the length of the loan period. Anything more than the actual cost of services is prohibited because it is Riba which is forbidden in Sharee‘ah (Islamic law), as was stated by the Assembly in its resolution no. 13 (10/2) and 13 (1/3).
Fourthly: It is not permissible to buy gold and silver or currencies with the uncovered credit card." [End quote]
We have quoted the full text of the decree because those who deal with that card should have the knowledge of those rulings.
However, if the owner of that card authorizes someone else to buy with it, then what applies to the owner applies to the one who is authorized.
It is worth mentioning here that it is not permissible to deal with the Riba-based banks, even if the origin of the transaction is Islamically permissible for this is a form of cooperating in sin and Allaah The Almighty Says (what means): {And cooperate in righteousness and piety, but do not cooperate in sin and aggression. And fear Allaah; indeed, Allaah is severe in penalty.}[Quran 5:2]
Allaah Knows best.
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