Are credit cards that have a balance greater than their value considered riba?

Question:
May Allah reward you. This questioner says: In these days, the offers from some telecommunications companies have become numerous. Yes, in these days, some offers made by telecommunications companies have become widespread. This is through credit cards, where a person pays an amount of three hundred riyals, which is the value of the card, and there is inside it five hundred riyals worth of call credits. So, are the two hundred riyals considered riba?

Answer:
I do not know about them; I do not know them. It requires reflection. But if a person pays a small amount of money to obtain more money than what he paid, in riyals, more riyals, this is riba without a doubt. Yes.