Is It Permissible to Use a Credit Card for Muslims in The UK

Credit Card

The credit card has become a present tool of the modern economic movement.

Muslims are prohibited from dealing with interest and dealing with credit cards raises many questions related to permissibility in the UK.

In this article, I will cover some of these questions. Eventually, credit cards are widely used by many Muslims worldwide.

Credit cards will surely smooth your finances over a month. You can make a large purchase and also stagger the payment for several months.

You can also earn rewards and cashback by the use of credit cards. You can also enjoy the benefits of card payment protection if the seller goes bust or in case of faulty goods.

Is credit card haram in Islam?

If you have heard that credit cards are haram in Islam then you are correct. Using credit cards is haram if you are paying the amount to the bank within the time limit.

Credit cards are considered haram as banks lend money to you in return for interest, this interest is the annual subscription to the credit card.

You also need to pay other included charges to the bank if you become late in paying.

The cost of the card is a type of riba that you need to pay to the bank. You need to pay this riba whether you pay your money on time or not.

You are entering into a contract with the bank, and you will pay interest if you have delayed your payments to the bank.

This is also haram because it is not permissible for a Muslim to be obligated to do something that Allah has forbidden.

You may think that you will surely pay the money to the bank on time but there may happen something that prevents you from doing so.

So, you need to pay Riba to the bank.

So, credit cards are considered haram in Islam.

Credit Card
Credit Card

Islamic credit card:

T present time, there is no Islamic credit card in the UK, but it can be assumed that they will think of this in the future.

Islamic credit cards are the latest banking products offered by Islamic Institutions. Using the principles of AIBaiBithamanAjil, the bank offered interest-free and penalty-free credit cards to Muslims.

As you purchase goods using this credit card, the bank will render the transaction on behalf of the retailer and simultaneously sell it back to the customer.

This sum can be payable over a deferred time through instalments within a specific time frame.

Features of Islamic credit card:

  • This credit card is for Muslims as well as non-Muslims.
  • You may enjoy the value-added benefits of the credit cards such as bonus points, gifts, travelers’ cheques, shopping discounts, etc.
  • A small fee may be applied annually for the credit card.
  • A credit limit will be applied based on your collateral value.
  • It is possible to obtain general Takaful coverage.
  • You may get a supplementary card if needed.
  • Some banks provide other services such as zakah payment via this credit card.
  • You may need to have some form of collateral that has been agreed upon with your financial institution earlier.

Is it permissible to use a credit card?

DND Finance has proudly announced that the Score Mastercards the only credit card available in the UK and it is only the Shariah-certified credit card in the country.

This credit card enables the Muslim community to transact and build up their credit history without compromising their Islamic faith.

According to research conducted by the Ipsos MORI Social Research Institute, there are 2.8 million consumers in the UK with Islamic beliefs.

Over 63% of these Muslim consumers have migrated into the UK from the outside.

With no credit history in the UK, these Muslim consumers have a strong need to access credit cards to purchase goods in the retail marketplaces following the Islamic faith.

DND Finance has brought this revolutionary product for these UK Muslim residents who have been looking for a product to fulfil their needs.

This product enables the Muslim community in the UK to create a credit profile, and also access the Western promise of an enhanced life for their families maintaining their Islamic beliefs.

Score Mastercard is a halal credit and has taken a greater initiative to follow its religious beliefs and principles.

The UK-based Score Mastercard helps faith-based Muslim individuals follow Islamic principles while transacting online as well as in the retail marketplace.

They can affordably access the Score Mastercard. They don’t need to compromise with their religious practice while using this credit card.

This card is being issued with an affordable APR with no interest and late payment fees applied on purchases and outstanding balances.

The Score Mastercard is a great solution for Muslims who are new to the UK and also desire to position themselves toward a strong financial future.


Are credit cards Shariah-compliant?

Ans: As per the Shariah law, Muslims are prohibited from using credit cards. Because of charging the interest rates credit cards are considered haram in Islam. Apart from credit cards, Muslims are also prohibited from using any products that involve Riba and Ghahar.

Can I buy gold using my credit card in Islam?

Ans: As per the Islam rules. It is impermissible to purchase gold using credit cards. As per the law, gold cannot be subscribed using a delayed form of payment. Muslims cannot buy gold without having money and the gold is received on the spot.

Is it halal working with the Mastercard?

Ans: Yes, as a Muslim you are permitted to use the Mastercard as long as it doesn’t involve dealing with the interest rate, or buying or selling the haram products.

Wrap up:

The credit card transaction is haram as per the principles of Islamic rules. Because the one who enters it is committing to pay riba. Because of most of the circumstances, he might not be able to pay the fees on time to the bank. So, dealing with this type is also considered haram.

On 4th July 2022 the DND Finance, London announced that the UK has launched Shariah-certified credit cards for Muslims in the UK. They can access this Score Mastercard for the betterment of their life in the UK.

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