FatwaFederal TerritoriesTransactions & Finance
IRSYAD HUKUM SIRI KE-881: HUKUM PENGGUNAAN KAD DISKAUN YANG BERBAYAR
Is it permissible to use a discount card that requires a one-time, monthly or annual payment?
Short answer
Issuing and using a paid discount card is permissible provided the fee is kept to a minimum without profit from issuing the card.
A reference, not a fatwa. First sentence of the summary below — read the original fatwa and consult your state authority before acting.
- Authority
- Federal Territories Mufti Office
- Date
- Status
- Opinion (irsyad)
- Series
- Irsyad al-Hukum (Umum)
- Topic
- Transactions & Finance
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
Issuing and using a paid discount card is permissible provided the fee is kept to a minimum without profit from issuing the card. Customers must be clearly informed of the terms, conditions and validity period. The card must also be free of gambling elements and must not offer benefits that are non-compliant with Shariah. Scholars and fatwa bodies differ on this issue because of concerns over uncertainty (gharar) and gambling, and the gharar is considered removed when the fee reflects the actual cost of producing the card.
Written in our own words from the original fatwa — check the source before acting on it.
Hukum pengeluaran dan penggunaan kad diskaun yang berbayar adalah harus dengan syarat caj yang dikenakan mestilah pada kadar yang minimum tanpa mengambil untung daripada pengeluaran kad tersebut dan pelanggan mestilah dimaklumkan dengan terma, syarat dan tempoh sah laku yang jelas.
Read the full fatwa on the Federal Territories website (new tab)
How to cite
Cite the original fatwa and its authority. Rujuk Fatwa is only where you found it.
Federal Territories Mufti Office. “IRSYAD HUKUM SIRI KE-881: HUKUM PENGGUNAAN KAD DISKAUN YANG BERBAYAR”, 10 January 2025. https://muftiwp.gov.my/ms/artikel/irsyad-hukum/umum/6103-irsyad-hukum-siri-ke-881-hukum-penggunaan-kad-diskaun-yang-berbayar. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/ruling-on-paid-discount-cards/