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Is It Halal to Benefit from Credit Card Points?

12 November, 2026
Q Is it okay to benefit from all the credit card points I have accumulated? I have always tried to pay off my balance and avoid being charged interest. I want to know if I can receive an item in exchange for all my credit card points or if I should donate the points.

Answer

In the Name of Allah, Most Gracious, Most Merciful. 

All praise and thanks are due to Allah, and peace and blessings be upon His Messenger.


In this fatwa:

Credit card points and other credit card privileges, such as a 1% refund, are permissible.


Responding to your question, Prof. Dr. Monzer Kahf, Professor of Islamic Finance & Economics at the Faculty of Economics and Management, Istanbul Sabahattin Zaim University, Turkey, states:

Credit card points and other credit card privileges, such as a 1% refund, are permissible. These are promotions, not interest, and they come in part from the revenues charged by credit card companies to merchants who accept their cards.

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Almighty Allah knows best.

About Prof. Dr. Monzer Kahf
Dr. Monzer Kahf is a professor and consultant/trainer on Islamic banking, finance, Zakah, Awqaf, Islamic Inheritance, Islamic estate planning, Islamic family law, and other aspects of Islamic economics, finance, Islamic transactions (Mu'amalat). Dr. Monzer Kahf is currently Professor of Islamic Finance & Economics at the Faculty of Economics and Management, Istanbul Sabahattin Zaim University, Turkey