This fatwa defines a 'shari'a card' as a card with a similar function to a credit card, which establishes a legal relationship between the card-issuer, card-holder and card-recipient, based on shari'a principles. It permits the usage of a shari'a card provided:
The fatwa also permits a card-issuer to charge the user a membership fee (rusum al-'udhwiyah), as well as a merchant fee (ujrah), cash withdrawal fee (rusum sahb al-nuqud), and guarantee fee (kafalah). The card-issuer is also entitled to damages (ta'widh) or a late fee if the card-user is late in making repayments.