FatwaFederal TerritoriesTransactions & Finance
AL-KAFI #2037: BOLEHKAH MENGGUNAKAN KAD KREDIT KONVENSIONAL DENGAN MEMBAYAR PENUH SETIAP BULAN SUPAYA TIDAK DIKENAKAN FAEDAH
Is it permissible to use a conventional credit card if the full statement balance is paid every month so that no interest is charged?
Short answer
Using a conventional credit card is prohibited even if the holder always pays the full statement balance before the due date.
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
- Al-Kafi li al-Fatawi
- Topic
- Transactions & Finance
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
Using a conventional credit card is prohibited even if the holder always pays the full statement balance before the due date. The reason is that the customer has agreed to a contract containing a prohibited riba condition. The fatwa notes the view of Dr Abdul Sattar Abu Ghuddah permitting it, but states that this view is unsuitable for Malaysia because many Islamic banks offer credit card products.
Written in our own words from the original fatwa — check the source before acting on it.
Hukum menggunakan kad kredit konvensional adalah haram walaupun sentiasa bayar keseluruhan baki penyata setiap bulan sebelum tarikh akhir pembayaran supaya tidak dikenakan faedah.
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. “AL-KAFI #2037: BOLEHKAH MENGGUNAKAN KAD KREDIT KONVENSIONAL DENGAN MEMBAYAR PENUH SETIAP BULAN SUPAYA TIDAK DIKENAKAN FAEDAH”, 19 August 2025. https://muftiwp.gov.my/ms/artikel/al-kafi-li-al-fatawi/6349-al-kafi-2037-bolehkah-menggunakan-kad-kredit-konvensional-dengan-membayar-penuh-setiap-bulan-supaya-tidak-dikenakan-faedah. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/using-conventional-credit-card-paying-in-full/