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Islamic Credit Cards
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Glossary

Halal

Permitted under Islamic law.

حلالḥalāl

Halal means lawful. Applied to a card it has two levels: whether the card's own structure is lawful, and whether what you buy with it is. DSN-MUI's card fatwa makes the second an express condition of compliance, requiring that the card not be used for transactions that do not accord with Shariah, and AAOIFI Shariah Standard No. 2 clause 3/2/3 requires the issuer to stipulate that the card is not used for prohibited purposes and to be able to withdraw the card if that condition is broken.

Related terms

HaramForbidden under Islamic law.MakruhDisliked but not forbidden: better avoided, no sin if you do it.MushtabahDoubtful: a grey area where the ruling is unclear, which cautious people avoid.FatwaA scholar's or council's formal answer to a religious question.

Sources

  • DSN-MUI Fatwa No. 54/DSN-MUI/X/2006 clause Keempat (b); AAOIFI Shariah Standard No. (2) clause 3/2/3

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