Prayer TimesNowadays, when you purchase goods using payment cards, a certain percentage of the amount spent is credited back to the client’s account. Also, when making payments at certain stores, cardholders receive specific discounts. This is one of the most common methods used in various retail sectors to attract customers. In economic terms, this method is called "cashback". The word "cashback" in English means "cash" – real money, and "back" – return.
It is permissible in Sharia to offer cardholders features that are not prohibited. For example, giving priority service to cardholders, or providing discounts at airlines, hotels, or restaurants. Such bonuses are considered incentives for customers.
Clients may use the bonuses credited to their cards when purchasing goods or making payments. However, the following conditions must be observed:
First, payment cards must comply with Sharia requirements. It is not permissible to use credit cards (Credit Card) to receive bonuses.
Second, the bonus received must not be something prohibited in Sharia. For example, if entry to prohibited places is given as a bonus, it is not allowed to use it.
Third, no commission should be charged to the client in exchange for the bonus.
Fourth, the bonus must be non-refundable. If a product is sold at a higher price because of the bonus, and the client buys the product just to get the bonus, this is considered gambling.
If these conditions are met, it is permissible to use bonuses and discounts received through payment cards. If not, their use is not allowed.
Medet QURMASHULY,
“Iman” magazine, No. 11, 2023
This content was drafted with AI assistance and reviewed by an editor.