Paying zakaat on behalf of one's wife

Q: One year ago I got married. My wife was gifted with gold from her parents and my parents too. The gold qualifies the "nisab" amount. She is a domestic wife. First I planned to pay zakaat on the the gold in a lumpsum after one year. But being a salaried person I could not do it as per my planning. Now I intend to pay a certain portion of zakaat from my salary each month. Please guide me on how should I calculate zakaat. For example on completion of the first year, the rate of gold was different from now.

Issuing talaaq without having knowledge of talaaq

Q:

1- Without having any knowledge of divorce by giving divorce or demanding for divorce can divorce take place? God is ever forgiving.  If we ask for forgivness, will he forgive us or he will still punish us for that which we were not aware of?

2- If two divorce were given by using word "divorce" two times just to get out of house in fight. Will those two divorce count?

3- Can Allah forgive woman in haiz if she makes some stupid decision or ask for divorce from husband and husband says divorce word two times without having intention to give her divorce and she stops him (it means she didn't mean it) will that still count as divorce?

4- In haiz, women go through a lot of sentimental and emotional mood swings. If she demands for divorce will that be considered?

5- There has to be intention of giving divorce or divorce just takes place anyways?

I have heard that God is always forgiving. Ask him for forgivness if you make any mistake. Without having intention or any knowledge, he's kind and he will forgive. He won't be unfair with anyone. Does divorce mistake not count in this?

Credit card rewards

Q: I wanted to enquire about Credit Card Rewards. I have a credit which is Shari'a Compliant as per clear statement from the bank:

Bank FAQ's

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Q. Is the card Shari'a compliant?

A. The Emirates Islamic cashback is fully compliant with the Shari'a principles. The card does not charge any interest to customers. As such, the bank charges a fixed monthly fee for extending various features and benefits to customers.

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My question is as per your fatwa before, you said all cashbacks coming from credit cards are haraam?

1. What about this? Is this card cashback still haraam?

2. If it's haraam, please tell me how? Based on your answer I will decide to scrap the card or not.

3. Is there a difference of opinion between the four madhabs?

Claiming from insurance company

Q: The situation is as follows:

A person crashed a car of the owner by hitting a railing. The owners insurance was cancelled. The person drove off as no police report was needed. The owner of the car is saying you can either pay $1000 for the car and keep it or pay for the damages because the person is not able to get it renewed with his insurance. The owner had been paying $200 a month for it for about 4-5 years. The person is buying the car from the owner and taking it to another city. In the other city he will get the car safetied in its current condition and get insurance on it. He will then claim the car so that insurance can pay for the damage to fix the car. All the while he will be paying $150-200 for the car monthly in insurance. Is this correct for someone to do or is it haraam for someone to do that? One other point is he can pay insurance the full yearly amount upfront which is around $2400, and he may get 2-3 grand back for the car which they may treat as a write off.