• EN (English)
Fatwa ID: 82764
Title: Using Debit Card as Credit
Category: Financial Transactions
Scholar: Dr. Main Khalid Al-Qudah
Date: 10/04/2010


Assalamu alaikom, usually a cashier asks me whether I would like to use my debit card as “credit” or “debit?”. To use a debit card as “credit,” you are not actually using it like a credit card. Your bank account will still be (debited) immediately, overnight, or on the next business day. In most cases, you will be required to sign for the transaction rather than entering your PIN. By doing so; however, you are going to be granted points that can be built up to the point that you will have direct deposite ($100) in your checking account. I have never had a credit card and I will never in sha Allah. My question now: is it halaal to use a debite card as credit? Jazak Allahu khayran


Alhamdu Lillah

Using a debit card as a credit one is allowed since you withdraw from your actual money. Even having a credit card (actual one) is allowed too for Muslims in the US as long as there is a need for it and, and obviously, without being involved in any interest-based transactions. You may refer to our website for more details.