What is the ruling on dealing with commercial cards such as Visa and Mastercard?
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The questioner: What is the Islamic ruling on an issue that has arisen in this era, namely dealing with commercial cards like Visa and Mastercard and others?
The Shaykh: Pardon me, dealing with what?
The questioner: Commercial cards.
The Shaykh: Commercial cards.
The questioner: Visa, Visa Card, and Mastercard are names. Is it for purchasing or withdrawing money from banks that deal with these cards?
The Shaykh: Can these cards be separated from the banks? I am not a merchant, but I imagine it is not possible, but what is your knowledge on this?
The questioner: Separating the card from the banks.
The Shaykh: I mean, is it possible to issue a card without it being linked to one of the banks?
The questioner: No, it is not possible.
The Shaykh: It is not possible. The answer is: What is the ruling on dealing with banks?
The questioner: What is called Islamic banks, we.
The Shaykh: I do not believe there are Islamic banks that operate according to the rulings of the Shari'ah. All banks may have differences; there may be a difference in the degree of immersion in misguidance and riba (usury or interest) between, for example, a British bank and a Belgian bank, with one having more and the other less. But in my opinion, there is no Islamic bank established upon pure Islam derived from the Book and the Sunnah, not from the opinions of the later scholars. I do not believe such a bank exists. Based on this, I imagine the answer is that it is not permissible.
The questioner: Because there are no Islamic banks.
The Shaykh: Yes.
The questioner: But if Islamic banks existed, and this card... we are talking about the original basis of the transaction.
The Shaykh: When there is... as was the way of the Salaf (the earliest generations).
The Shaykh: Pardon me, dealing with what?
The questioner: Commercial cards.
The Shaykh: Commercial cards.
The questioner: Visa, Visa Card, and Mastercard are names. Is it for purchasing or withdrawing money from banks that deal with these cards?
The Shaykh: Can these cards be separated from the banks? I am not a merchant, but I imagine it is not possible, but what is your knowledge on this?
The questioner: Separating the card from the banks.
The Shaykh: I mean, is it possible to issue a card without it being linked to one of the banks?
The questioner: No, it is not possible.
The Shaykh: It is not possible. The answer is: What is the ruling on dealing with banks?
The questioner: What is called Islamic banks, we.
The Shaykh: I do not believe there are Islamic banks that operate according to the rulings of the Shari'ah. All banks may have differences; there may be a difference in the degree of immersion in misguidance and riba (usury or interest) between, for example, a British bank and a Belgian bank, with one having more and the other less. But in my opinion, there is no Islamic bank established upon pure Islam derived from the Book and the Sunnah, not from the opinions of the later scholars. I do not believe such a bank exists. Based on this, I imagine the answer is that it is not permissible.
The questioner: Because there are no Islamic banks.
The Shaykh: Yes.
The questioner: But if Islamic banks existed, and this card... we are talking about the original basis of the transaction.
The Shaykh: When there is... as was the way of the Salaf (the earliest generations).
Source
www.al-albany.com
The Arabic text is copied verbatim from the original source, without any edits.