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:
2- You are allowed to use these points for Hajj or Umrah as they are yours and it is your right to use them in any halal way.
In his response to your question, Prof. Dr. Monzer Kahf, Professor of Islamic Finance and Economics at Qatar Faculty of Islamic Studies, states:
Having stated this, I hope that your credit card use was without any interest because interest is a grave sin as the Quran declares although the points are not accumulated on interest but on purchases, i.e., they are not affected by delay of payment.
Almighty Allah knows best.
Editor’s note: This fatwa is from Ask the Scholar’s archive and was originally published at an earlier date.